It's not too late to make 2023 the year you finally budget your money.
Many people don't budget their money, or even have an idea of how much they spend month to month on everything from necessities such as housing and food to extras such as concert and sports tickets.
"People turn their blinders on to their spending," said Wayne W. Williams, an associate professor of accounting at Temple University's Fox School of Business. "The digital environment creates convenience, but it does not promote discipline."
