Can you name a Fortune 500 company that doesn't have a budget? Don't spend too much time thinking about it - there aren't any. Successful businesses around the world have one thing in common: they budget their money. And they do it because it works. But although making money and making a budget appear to go hand-in-hand, a report on personal income and outlays by the U.S. Department of Commerce found that for 2006, American households had a negative savings rate of around -1.

For the people who are not sure what mindfulness means it is a spiritual path to enlightenment according to the teachings of Lord Buddha. It is a type of self-awareness where your mind will be trained to be in touch with the present moment and your own self. In today’s society everyone is going through countless experiences that life throws their way and as a result it can affect their mental health. Using mindfulness exercises will teach you to stay in the moment and to acce