Budgets are not magic. They do not make money appear as if from nowhere. They do not reduce the cost of gas or food or anything that claims a regular percentage of your income. There’s an argument to be made – and many people make it – that a budget doesn’t solve anything for their particular situation. That the problem is too much money going one way and not enough coming the other, and no amount of spreadsheets or math is going to fix those things. There are, however, real, tangible benefits to budgeting. It’s not magic, no, but these benefits offer a clear positive impact to your relationship with money. So if you’re still a little iffy on why you need to bother with budgeting, consider the fact that a budget: Helps you make objective decisions If you find that your heart makes more financial decisions than you’d like, a budget can help you move towards a more objective approach to money management. Budgets, after all, only lay out the facts of your finan...