There are a few things in life that are universally accepted as important and of value: family & friends, time, and money. As young kids we are told about the importance of all three and are given instructions on how to be a good family member / friend, and how to best manage our time. Yet, we are not universally taught how to budget our money. Money is the leading cause of stress for Americans. Everyone can alleviate some of the stress by properly budgeting and monitoring th