“Budget” isn’t a four-letter word, although many people avoid it like one. It’s also not a punishment for not being born wealthy. And it doesn’t have to be intimidating. In fact, a budget may be your best friend if set up correctly and with the right frame of mind. It’s a financial tool that once you embrace will make your life easier and hopefully your wallet wealthier. Learn what you need to build a budget that will work for you.