The subject of budget has been a recurring topic at home these past weeks. With all the news around real estate cost and families struggling to balance their budgets, my wife and I were discussing why so many struggle. My point of view is that most families don’t really know where their money goes. If you don’t know where your money is going, how will you know if you can easily pay your bills, afford that nice vacation trip or even retire. Understanding your finance is the source for financial success. Until you do, you will struggle and not know for sure where you stand.