Not to mention having a budget allows you to plan out _how_ to increase your income. If you needed time off to study for a career change, you cannot do it with

Not to mention having a budget allows you to plan out _how_ to increase your income. If you needed time off to study for a career change, you cannot do it without first having a budget, saved up and such. So regardless of the desire to increase income, the first step is to have solid data about your expenditures; aka, a budget.