Javier Simon, CEPF Special to USA TODAY A budget can help you understand where your money is going, but sticking to one is often easier said than done.
Javier Simon is a Freelance Writer at Bankrate.com. He specializes in finance, personal finance, and health and wellness, focusing on topics such as retirement planning, saving and investing, and wealth management. His work has been featured in numerous publications, including the Moline Dispatch Publishing Company, Arizona Daily Sun, and Money, among others.













