TATUM: The hidden cost of poor budgeting habits

A budget is not meant to restrict every purchase or remove all enjoyment from your life. Instead, it is a tool that helps you understand where your money is going and determines whether your spending supports your financial goals. Poor budgeting habits may seem harmless at first, but over time, they can lead to unnecessary debt, limited savings and increased financial stress. Fortunately, a few small adjustments can make a meaningful difference.