FILE - In this June 15, 2018, file photo, cash is fanned out from a wallet in North Andover, Mass. Whether you want to pay off debt, start a rainy day fund or save for a family trip, budgeting is the first step toward reaching your financial goals. Colleen McCreary of Credit Karma says creating a budget is a lot 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. (AP Photo/Elise Amendola, File)