By simply making a few changes in your home and calling your utility providers, you can lower your monthly bills right now.
By Wisebread.com and Sarah Winfrey
If you've never budgeted before, it can seem like a gargantuan task that only produces something that will make you miserable. And if you consider yourself bad with money or find that you have a difficult time living within your means, budgeting can feel like one more way to fail financially. The key to making your budget into a friend and not a foe is having the right set of skills to make it happen. Here are a few of those.