As the new year approaches, many people see the blank slate as another opportunity to fine-tune their finances. One sure-fire way to do that is to create a budget and stick to it. I asked Rachel Cruze, author, financial expert, and host of “The Rachel Cruze Show,” for her advice for families setting up a fresh new budget for a fresh new year. Here’s what she said. The Epoch Times: Why is it important for a family to create and utilize a budget? Rachel Cruze: A budget is simply a plan for your money. And you need to have a plan for your money! If 2020 has taught us anything, it’s that we need to be intentional with every dollar we have coming in.  A budget will also help you and your spouse get on the same page with your finances. It forces you to talk about how you’re spending …