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Please read this Website Disclaimer carefully. We (Balanced Budget/Shelly Straub) reserve the right to change this Website Disclaimer at any time without notice, and by using the Website and its Content you are agreeing to the Website Disclaimer as it appears, whether or not you have read this language. If you do not agree with this Website Disclaimer, please do not use our Website or its Content.

This website and its content are owned by Balanced Budget.


The information provided in or through our Website, Programs, Products and Consultation Services are for educational and informational purposes only and are made available to you as self-help tools for your own use. Balanced Budget offers valuable financial budget advice to individuals and businesses who want to bring their spending in line with their current income. We provide tailored insights and strategies to help you make the most of your money, ensuring you reach your financial goals and maintain financial stability from month-to-month.


The information contained in our Website, Programs, or Consultation Services is not intended to be legal or financial advice that can be provided by your own attorney, accountant, and/or financial advisor.  Shelly does not hold any certifications as a Financial Advisor. We cannot be held responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage howsoever arising. The law varies by state, and it is constantly changing, and therefore it affects each individual and business in different ways. As a result, it is recommended to seek outside financial and/or legal counsel relating to your specific circumstances as needed. You are hereby advised to consult with your tax consultant, accountant or lawyer for any and all questions and concerns you have, may have, or hereafter have regarding your own income and taxes, and any and all information presented by our Website, Programs or Consultation Services pertaining to your specific financial and/or legal situation.


Our Website, Programs, Products, and Consultation Services aim to accurately represent the information provided and is to be used as 'budget advice'. You are acknowledging that you are participating voluntarily in using our Website, Programs, Products, and Consultation Services, and you alone are solely and personally responsible for your results. You agree to use your own due diligence and judgment before applying any recommendation or advice that you may receive on or through our Website, Programs, Products, and Consultation Services. You acknowledge that you take full responsibility for your health, life, and well-being and for all decisions now and in the future.


My role is to teach and support you in reaching your budget goals, but your success depends solely on you. I cannot predict that you will attain a particular result, and you accept and understand that results are different for each individual. You fully agree that there are no guarantees as to the specific outcome or results you can expect from using the information you receive on or through this Website or with my budget advice consultation services.


Balanced Budget/Shelly Straub may work with companies to provide you with budget advice, content and/or services. These companies may pay me for doing this. I only use companies that align with my strategies and values.  As an Amazon Associate I earn commissions from qualifying purchases.  References or links in my Website to the information, opinions, advice, programs, products or services of any other individual, business or entity does not constitute my formal endorsement. I am merely sharing this information as a self-help resource only. I am not responsible for the website content, blogs, e-mails, videos, social media, programs, products and/or services of any other person, business or entity that may be linked or referenced on my Website. Should my Website link appear in any other individual’s, business’s or entity’s website, program, product or consultation services, it does not constitute my formal endorsement of them, their business or their website either.


By using my Website and/or my consultation services you are agreeing to all parts of this Disclaimer. If you have any questions about this Disclaimer, please contact me at

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