One of THE most effective tools you have for ensuring you are debt free is to create a budget for your home and / or business. Stats clearly show that only 10% of people have a budget, and that those 10% are debt free. The key is to create an EFFECTIVE budget. In this weeks Frank Talk with Gilbert, DebtMasters President Gilbert Landriault discuss the power of an effective budget, and just how to do it too.Are you looking for a good budgeting tool? We’ve got one for you. Just reach out int he comments or email and ask. We’ll be delighted to send it to you!