Not many people like to talk about money. But the truth is, when you feel financially secure, you also feel free. Having small children can often mean that your budget is tight. Effie Zahos is the editor-at-large of and the author of Ditch the Debt and Get RichEffie explains some very simple steps you can take to get on top of your own budget.Canstar .

The budget tool that Effie mentions in the interview can be found here.