If your first thought about budgets is "Eek"! Life will be miserable!" then it's time to clear up a few myths. Myth #1: "I can't live comfortably or have fun!" "You can find bargains, travel discounts, and special deals elsewhere if you look, even at the best places! Myth #2: "My spouse (partner) and I will fight over expenses." You may argue less if you take advantage of the free budget counseling services at a Consumer Credit Counseling Center. Myth #3: "Putting money aside is difficult." With an automatic savings withdrawal at your bank, most people are surprised by how quickly they adjust.