Budgeting is a procedure that starts with recognizing personal financial goals and priorities in terms of savings and spending. Once we know the amount of money that is going out and coming in, it gets easier to handle both expected and unexpected financial challenges.   Also, budgeting habits make a huge change. When the money mindset, saving, and spending habits are clear, it gets easier to meet budgeting and investment goals. The right budgeting app can help to combat poor money habits.