About 3 years ago, I wanted to get my financial house in order, but did not know where to begin. I desired to not only create a budget to pay my bills and lead a debt-free life, but to also create wealth. I also needed accountability to stick to the plan. Then I met Tina Owens Knox, budget counselor, who coached me to do just that. She provided invaluable financial advice as she formulated a plan based on my financial goals. In the first month, I saved $400 by implementing only 1 recommendation from my personalized budget plan. I personally recommend Tina for any of your budget planning and implementation needs!