My partners and I cofounded VitalSmarts, an innovator in corporate training and organizational performance which has helped more than 300 of the Fortune 500 realize significant results using a proven method for driving rapid, sustainable, and measurable change in behaviors.

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Budget experts suggest doing a breakdown of where you spend every dime, but the simplest budget method by far is to remove a significant percentage of your pay in advance (double digits, at least) and deposit it into an account you cannot easily access.

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Where it may be very helpful is for the few truly big ideas that simply need money to demonstrate their new idea or method and provided that a successful demonstration would lead to a significant upside.

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