An efficient and well-planned household budget is the cornerstone of financial stability. Knowing how much money is coming in versus going out is critical for proper money management. Consumers familiar with this step adjust a budget as needed to accomplish financial goals. Do you know the suggested spending guidelines? Do you track spending and adjust accordingly? Does your household budget work? Budget improvements reduce financial strain, stress and debt. As the school year kicks back into gear, we want to hear from you about your budgeting habits. Finally, take American Consumer Credit Counseling’s September poll to help shed light on consumers’ budgeting knowledge and habits.