Veteran planners know that what gets written down gets done, andthe same goes for financial success. Companies and individuals whocreate a budget do a better job of managing their money.

Research indicates, however, that three out of every five adultsdo not effectively budget their money, and 13% have little idea ofwhere their money goes. Armed with these assumptions, personalfinance social network WalletHub recently conducted an in-depth analysis of 150 U.S.metropolitan statistical areas to see which had the best and worstbudgeters.

Using 16 key metrics, ranging from credit scores to the numberof unbanked households, WalletHub came up with the followinglists:

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