(StatePoint) According to personal finance experts, it may be time to rewrite your relationship with budgeting, particularly if your associations with the task are negative.

“Budgeting isn’t about having less—it’s about making more of what you have,” says David Chubak, principal, head of Wealth Management & Field Engagement at Edward Jones. “When executed effectively, it’s the roadmap that turns financial chaos into clarity.”

To help you align your finances with your goals and values, Edward Jones is sharing these budgeting steps :

Track income and expenses: Discover what’s being earned and what’s being spent. To get a clear picture, consider delving into detailed spending categories, such as housing, groceries, childcare, entertainment, savings and debt. Be sure to factor in annual

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