Budget Like a Pro! -- Eight Budget Basics #2 is so important.... WHY DO YOU NEED A BUDGET? Do you use a credit card every month to make ends meet? Do you have some debt you’d like to pay off? Are you saving up for that dream family vacation? Are you tired of living paycheck to paycheck? Do you wonder where your money goes? Are you saving up for a down payment on a home? WHATEVER YOUR REASON FOR NEEDING TO MAKE A BUDGET, IDENTIFY YOUR END GOAL.