Amazon remains a dominant force in taking on traditional brick-and-mortar businesses. Their entry into the grocery space, with the acquisition of Whole Foods, will put an even greater amount of pressure on big-box retailers such as Walmart. While both retailers draw consumers who are looking for affordable prices and the ability to find just about everything in one place, Americans living paycheck to paycheck may have different considerations when choosing where to shop.

Budgeting can help liberate you from debt, uncertainty, and financial stress. A budget is a tool to help you understand and control your spending. Community Contributor Eric Rosenberg offers his unfiltered steps to get your finances under control.