Budgeting is one of the most unpleasant of the personal finance activities. It takes a lot of discipline and a lot of work. And, the immediate payoff is tough to see. Although I have been successfully living on a “spending plan” (that just sounds like a better phrase than budget) for many years; before it became an ingrained habit, it was tough to keep up. Get some inspiration and ideas about living with a budget or spending plan from some of my on-line colleagues’.