If you find yourself routinely having more month than money, then it may be time to embrace a more structured budgeting approach by starting from zero, zero-based budgeting, that is.

A monetary tip is an incentive for workers within the service industry, such as a restaurant or hotel, who provide good service. When employees provide exceptional service at a sit-down restaurant, they receive a higher compensation after giving the total bill to the customer.

We cover the top 10 cities where the average salary won't cover your living expenses.

Whether through your chosen budgeting method or some other option, you should be able to ask and answer, "Is my income enough to cover my basic expenses?"