After stressing for months over getting our budget in order, I think I see a light at the end of the tunnel. We have agreed on amounts and after tracking I believe they are realistic. My husband has applied for and been approved for a credit card. For the Dave diehards, this card has a low line of credit...

Does the word budget make your heart race and your palms sweaty? Do you want to run far away from having to budget? Maybe you have a phobia of money or maybe you just really hate to budget. Why does this word cause so many people to panic? It's not easy to budget. I have spent a couple months now...