Ideas By Dana Miranda December 26, 2024 7:00 AM EST Miranda is a Certified Educator in Personal Finance®, creator of the Healthy Rich newsletter and author of You Don’t Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money with Ease N early every piece of financial advice—whether the goal is to pay off debt , save for a big purchase, or start investing—starts with making a budget. I’ve been writing about personal finance for nearly 10 years. Hearing this advice