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.