There's that horrifying word. The one that makes so many people cringe at it's very utterance. It seems like they could make a very good spooky movie with the title "You Have To BUDGET!". Yeah, that's a little dramatic but I have been helping people with their personal finances for almost 30 years and it's not too far off base. The word scares the daylights out of some people. You should see their faces when I tell them they are already budgeting no matter whether they have anything written d.