What does a budget primarily help a person achieve?

A budget primarily helps a person achieve the ability to track financial habits and plan for future expenses. By creating a budget, individuals can gain insight into their income and expenditures, which allows them to see where their money goes and identify patterns in their spending behavior. This awareness is crucial for making informed financial decisions.

Additionally, a budget acts as a roadmap, allowing individuals to allocate funds toward savings, investments, and other financial goals, which is essential for long-term financial planning. It also helps prevent overspending and ensures that essential expenses are covered while allowing for some discretionary spending within set limits.

In contrast to the other options, a budget does not promote unlimited spending, ignore financial goals, or solely focus on analyzing debt capacity without considering broader financial management. Hence, the correct answer highlights the primary utility of a budgeting process in fostering better financial awareness and planning.