'Budget' is a four-letter word when it comes to your personal finances, but face it--if you don't decide ahead of time what's most important to you, it's easier than pie to slip into that nearly-impossible-to-break habit of living bigger than your paycheck. Use these tips to get started on creating a roadmap toward your financial success!

Before you can set a budget, or spending plan, that you can live with, you need to look at where you