Now you know how to make a budget binder, and set it up for budgeting success. Now you need to start using your budget binder so you can organize your finances and change your financial future.

From budget planers that can do it all to elevated piggy banks and meal planning notepads, we've got all the essential products you'll need to stay on top of your personal finances all year long ...

The easiest path would be to take the formula for 2022 and paste it into 2023: provide the non-defense part of the budget with an increase of 6.7 percent (same as the 2022 increase) to $778.9 ...