If a genie were to grant you three wishes, we're betting one of them would be for a huge pile of cash. After all, wouldn't it be wonderful if you had an unlimited amount of money? You'd be able to buy anything you wanted without worrying about running out of moolah for necessities like utilities and groceries. Life would be a lot easier (and more fun) that way, don’t you agree?

Sadly, we probably won't be running into any genies anytime soon, so until we find ourselves some magic lamps, we really have to make do with what we have. This is why it's important to set a financial budget for a specific time frame. Budgets are a necessary nuisance in our lives: we all don't like them, but we have to stick to them or else we’d be wallowing in poverty.

It's not easy to stick to a budget, but let's face it: limited resources will always be a fact of life. How do you stay by yours? Do you track all your expenses? Do you set a goal, like a vacation or a new car, so you can keep a tight hold on your cash? Or do you simply cut back on spending for luxuries? Share your tips with us!

FN wants to know:

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What are your budgeting strategies?

Let us know in a comment below!

(Photo by Jane M. Sawyer via Morguefile.com)

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