A budget helps you see exactly where your money goes; it also lets you move money around so you can reach your personal and financial goals more quickly. And – a budget can be whatever you want it to be. Let’s say you want to take a trip, perhaps a vacation to a tropical island (or a wild weekend in Las Vegas!), all you need to do is add a “vacation” column to your budget and factor it in with the rest of your earnings and expenditures. A budget isn’t just a list of bills to pay: it can be anything you want it to be.