Budgeting is a core component in any good Financial Plan! While building a budget is important, learning to live within our means, living on our budget, and getting out of debt are critical to maximize wealth. Most of us have penciled out a budget many times in our lives, however, the important part of building a budget is automating it so we know where we are at any given point in time. Living on our budgets instead of our income requires us to know the problem areas in our budgets and to avoid or steer clear of these "budget breakers." We will probably not overspend at the grocery store (at least not consistently), but things like dining out, entertainment, fast food, and short trips will definitely "throw a wrench in things" if left unchecked. Our budgets need to be automated in in order for them to consistently help us to live within our means.