Daniel Liberto is a journalist with over 10 years of experience working with publications such as the Financial Times, The Independent, and Investors Chronicle. Amy is an ACA and the CEO and founder ...

Tracking every dollar in a spreadsheet or following a color-coded budget is simply not everyone’s cup of tea, and that’s OK. You don’t have to be obsessed with budgeting to take control of your money.

"No plan survives first contact with the enemy," said Prussian military strategist Helmuth von Moltke. Likewise, when the annual budget process transitions to execution, it’s already out of date. The ...