Don’t Most People Already Know?

To make your cash flow plan work, you have to do it consistently. That means sitting down every month, and making a budget for the upcoming month. Anatoliy Karlyuk/Shutterstock

Dear Dave,

You talk a lot about budgeting, and how important it is in getting control of your money. But don’t most people already have a good idea of what they’re spending, and how much they have in the bank, without going through all the time and trouble of developing an actual budget?