There is no healthy budget without constant vigilance

It's been said that genius is one percent inspiration and ninety-nine percent perspiration. And when it comes to personal finance, it's roughly the same.

Keeping our finances healthy requires constant discipline. And today, we have guest blogger Daniel to talk more about that effort.
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Debt is all around us. It can swallow whole companies, state budgets, and human dreams. Yet, without it, many great individual and collective achievements would be impossible. Don’t let all the pressure and difficulties coming from the financial system get the better of you.  The longer you wait, the fewer options you have at your disposal. Meet the challenges head-on, even if you are in over your head.
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