Imagine this: you’ve finally found the car you’ve been eyeing, or you're ready to consolidate a few bills and tidy up your finances. You apply for a loan—and then, out of nowhere, you’re declined. No explanation, just a polite ‘no.’

We often think of debt as being a bit of a negative thing.

If you’re trying to get a handle on your finances, a budget could be a great tool to help propel you towards your goals.