Shelly,

How many people use a budget? Almost half (43 percent) of people surveyed said they stick to a monthly budget most or all of the time. The same percentage confessed that they haven’t even established a budget. (Olivia Mellan, Psychology Today, January 1999.)

There is no dignity quite so impressive, and no independence quite so important, as living within your means. - Calvin Coolidge

Quick Cents Application Points:

1. Do you have a budget? Discuss why or why not?
2. How does having (or not having) a budget help you with your financial stewardship?
3. Discuss your thoughts about the Calvin Coolidge quote.