We talk budgets all the time because things come up that we all suddenly need money for. Just last week one of our clients needed to pay for a quick airplane ticket and if he hadn’t had the extra $1,000 available, even if it left his account depleted, he’d have had some real problems.

Suffice it to say, most of us live paycheck to paycheck. If we budget at all, it’s to make sure we can pay the bills we currently have, buy food and maybe partake in a bit of entertainment. And yet danger is always lurking around the corner. Thus, these 4 things you probably need to think about:
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