In a world of instant gratification, we are finding ourselves at a level of personal debt never, ever seen before in this country. But why? I think this idea of defining your needs vs. wants in your budget and with your spending is becoming more and more important. Even though you CAN have an item show up at your door in 2 days or less for $6 cheaper than a competitor doesn’t make the purchase that much better if you can’t afford it in the first place. Let’s talk about your financial goals and how defining an absolute need vs. a want, or nice to have, can save your family budget!