john zito, electric band happens every wednesday night. no ticket necessary. you want more information go to the website on your screen and keep up with john's band. >>> you're watching "the morning >>> managing personal finance is easy for some pe others were taught by their parents or high school economics. for the rest of us understanding how to budget and avoid debt can be a mystery. the pan gentleman guys can help you unlock the mysteries and keep you afloat. >> even if you're already in debt it's not too late. here to help is jude -- i was taught by trance union and experian how to use debt. what's the first thing people should understand about personal finance? >> that probably everyone has the same issue. we meet about five to ten people a day, most of them come in with debt issues and a lot don't know how much they make and how much they spend. a budget. how much is coming in, how much is going out. >> sounds really simple but it's true, not everybody knows how much they make and how they spend and they're intimidated by keeping track of it. >> they ar