Pizzocchi

by your Financial Planner Richmond and Financial Planners Virginia 2. You don’t have a budget. Yes, starting a budget can be scary and learning about your true financial situation can be a downer. Get over it. Please. At least get some help with it, find your net worth, add up all your debt, track your spending, and build a budget that reflects your true reality not the world you prefer to live in. Only when you face the facts by spending the time to manage your money will you stop being broke.