I love reading and one of my favorite topics is of course Personal Finance. One of the first Personal Finance books I read was Total Money Makeover. That book helped me learn how to create a budget. If you are looking to increase your personal finance IQ here are a few books you should check out.
Once you say the word budget it seems like the energy in the room disappears, but a budget is not a bad thing it gives you the ability to pay for everything you need and everything you want.
Having a budget helped me pay off over $50K in debt and fund my emergency fund, but it has also allowed me to do things I love like travel.
Do you know where you stand financially? At the end of every month I sit down for 30 mins and complete a financial checkup. A financial checkup is a layout of all my income and expenses for the month along with an analysis of how I spent my money in the previous month along with any outstanding debt balances and a status update of where I stand when it comes to my financial goals, so the balance in my savings, sinking funds and investment accounts (including retirement).