The dictionary defines budget as: 1. A stock of items. 2. A plan adjusting expenses to income. 3. Estimated cost of living, operating, etc. 4. To schedule, plan. Does this sound familiar... * Always waiting for the next pay period * Wondering how you are going to make the mortgage or rent payment * Where did the money go * How am I going to get gas so I can get to work * Ill go down to the cash advance place * Borrowing from family and friends * Late payments & bill collectors phone calls * We need a budget