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So far, budgeting hasn't quite worked for Tori Telfer, a 26-year-old writer living in Chicago. Telfer tried using a spreadsheet to budget her expenses.
[To read the full story go to DeseretNews.com](<http://www.ksl.com/ad_logger/ad_logger.php?location=http://www.deseretnews.com/article/865591951/Better-than-a-raise-The-smallest-thing-you-can-do-to-make-the-biggest-difference-this-year.html&s_cid=ksl-partner&sponsor=Better than a raise: The smallest thing you can do to make the biggest difference this year>).