Budgeting is simply the process of allocating expenses on a regular basis. A good #budget is simple, realistic and clear. It builds in some personal control for each family member. In creating a realistic budget, focus first on the most basic needs like food, housing and clothing. Second, focus on what you would like to purchase in the future.

More often than not New Year’s resolutions are about losing weight or hitting the gym on a more regular basis. This year, make a resolution that really matters — commit your relationship to growth and resolve to make your relationship even better.