Probably we should have budgeting that allows for -- we can't really have a capital budget under federal budgeting, but we could have a separate accounting.

CNN: Giuliani's responses at the CNN/YouTube debate

Becoming mindful of how money moves out of (and into) your pockets is the key to keeping your finances under control and is the foundation for budgeting, but that's a topic for another column.

CNN: Use your Mac to track your money