Guest Opinion by Louise Shawkat, Ashland Daily Tidings, February 14, 2018

People equate budget with money. Governments, companies, organizations, families use budgets. Budgeting is yearly financial planning; income and expenses should equal out.

Budgets outline steps needed to make businesses (households) fiscally responsible: highlighting needs versus wants. It’s hard to fudget bottom lines, sometimes these numbers make us fidget. Reaching predetermined goals successfully takes commitment.

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