Q: Budgeting has always been tricky for me. Do you have any tips that can help?

A: Regular, ongoing expenses are usually not the issue for many of us. Smaller, discretionary items can be harder to track and one simple option is to carry cash when you are making purchases. Research has shown that we are willing to pay more when using credit . The money is just less “real,” in the sense that we won’t see that money leave our accounts until later on