How to Budget

OK, so it isn't the most fun thing to do, but creating a budget is incredibly important. And there are many ways to do it. You just have to experiment until you find the one that's right for you.

(Image credit: Nora Sahinun)

One of the toughest tasks of personal financial planning is the dirty “B” word: budgeting. Everyone needs a budget. The problem is how best to create and live within a budget without negatively impacting your day-to-day life.

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Joseph C. Conroy, CFP
Financial Adviser, Harford Retirement Planners

Joseph C. Conroy is a CERTIFIED FINANCIAL PLANNER™ professional who is passionate about helping his clients pursue their goals. He founded Harford Retirement Planners to provide objective advice and knowledge to his clients. By partnering with an independent broker dealer, it allows Joe to sit on the same side of the table as his clients. It is this experience, working with many individuals over the years from many backgrounds, which inspired Joe to write the book "Decades & Decisions."