You've Got Budgeting Backwards To many, the word "budget" brings to mine restrictions, guilt, punishment, and a general feeling of dread that they don't have control over their money, much less hit their budget goals. But this idea that a budget means setting hard limits on spending in various categories, then looking back every month to see if you were "good" or "bad" in adhering to those limits... it's all backwards!   Jesse has another way to look at "budgeting," or planning as he calls it. You give every dollar you...