Budgeting. The word makes people cringe. They don't want to think about it, talk about it, much less learn about it… even if it's one of the best things to improve your finances! I have to be honest though – if you see budgeting as restrictive, I think you've missed the point. You see, budgeting isn't intended to be a set of hard rules. It's supposed to be a personal map that leads to more freedom not less.