Deseret News National: Better Than A Raise - The Smallest Things You Can Do To Make The Biggest Difference This Year

People look at budgeting like it is going on a diet. They think only people without money have budgets, so there is this stigma attached. When people go on a diet, all they see are the things they can't do.”

Kate Holmes, a certified financial planner and founder of Belmore Financial in Bellevue, Wash.