Alva Review-Courier -

NEW YORK (AP) — Budgeting is key to managing your finances, whether you're trying to pay off debt, start a rainy day fund or deal with the consequences of inflation.

Creating a budget is much like trying to eat better or exercise more — everyone tells you it's good for you, but it's hard to get into the habit, said Colleen McCreary, consumer financial advocate at Credit Karma.

"A lot of people think it's over-complicated and a hard thing to do," McCreary said. "Much like going to the gym, the hardest part is showing up, so you just have to decide that you're going to try it out."

Even with pri...