via @cnnmoney: "Just because most Americans say they keep a budget, doesn't mean they do it well. About 20% of people "budget in their heads," according o a study by Bankrate. That may be why the majority of Americans don't have enough savings to cover an unexpected $1,000 expense. Keeping a mental tally might work for a precious few. But budgets, which personal finance experts say are best tracked on paper, a spreadsheet, or one of the many budget apps available, are not one-size-fits-all." >> Visit us at www.zetahelp.com today to get started on yours.