Who Needs A Spending Plan

Who needs a spending plan? According to author Larry Burkett:

About 5% of the people in the US are so frugal, that they don’t need a budget. They’ll never overspend – no matter what.

Another 5% earn so much money that overspending, while possible, is not very likely.

95% of us are left to grapple with our finances – we are the ones who can really benefit from having a spending plan.