We all know that budgeting is important. It’s also important to know how to budget.

I have to admit that I'm a total budget hoarder. I'm not even sure where to start. I have saved money by stockpiling clothes, dishes, electronics, and food. So yeah. I'm a budget hoarder. But, I guess I'm just not a budget maniac. I think this stems from a need for control.

Well, if you're a budget maniac, you'll probably also want to know how to set and achieve your financial goals. There are a lot of great budgeting tips out there. But the key is to start with an initial plan. You can start with one month or even one day and work your way up to longer-term goals.

First of all, if you don't have a plan, you're not going to know where you are going with your money.

If you're like most of our readers, you don't have the money to get out of debt. But that doesn't mean you're lazy. If you're like most of our readers, you'll be one of those people who just doesn't have the money to save for retirement (or even save for a rainy day).

First, find out exactly how much you want to save. Then, find out what you should be doing with your money. We've all been there. You get to the point where you want to take a vacation to see the world, you have $5,000 to spend, and you have $4,000 to save. The only difference is that you only have $4,000 to spend.

I think most people can relate to this, but most of us have a hard time figuring out

what to do with all that money we have. We want to save it for that rainy day or for retirement, but how exactly can we do that? One way is to save it in a savings account. There are lots of different kinds of savings accounts.

One way to save money is to set aside a certain amount for each of your bills each month. If you have a high deductible, you can set aside a certain amount. If you have a high-interest rate, you can set aside a certain percentage. If you have a variable interest rate, you can set aside a certain amount for each of your bills each month. But the best way to save on your bills is to make it a habit of always saving a certain amount.

I think that’s really important. It's the habit that will help you save your life.

So if you’re a frequent reader of this site, you know that I’m a big fan of Mint.com and its ability to help you save money quickly. Because of Mint, I can take my debit card and set up a spending plan for my bank account which I can stick to for at least the next few months.