How to Build a Cost-Effective Budget in 2013

As February comes to an end, it's time to revisit those new years resolutions. A good budget helps you spend time working on a cause-related campaign, reach your goals, and frees up money for the occasional splurge. Personally, I use an excel spreadsheet to track my expenses. Read these tips on how to maintain your yearly budget including setting goals, account for all expenses, building in wiggle room, and making the commitment.