Far too often, I hear people asking if they need a budget or not.  Whether you are in debt or not, it is imperative that you have a budget!  Without this, your money is always telling you where it will go rather than you having control over how you spend it. If you are … Counseling Toolbox, Family Counseling, Mental Health Counseling, Counseling Activities, Online Counseling, Play Therapy Activities, Therapy Games, Therapy Tools, Therapy Ideas