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But according to the National Foundation for Credit Counseling, only 40% of American households use a budget.

The rest take a hit-or-miss approach, never really knowing whether they’re living within their means, in need of a better-paying job, or in a position to rein in their debts. One thing it does require is a deep look into your current financial picture and more than a bit of discipline.

They got married and stayed married till my grandfather passed away half a century later.

“If I had only gone out with 3 or 4 guys I wouldn’t have known what I wanted in a husband,” she said.

“I’m stabilizing after years of being in debt,” says Graham, co-founder of I Kissed Dating Hello, a website.