I don’t need a budget; I run my own business so it’s all in my head. Bothering with a budget would just be a waste of both my time and my money!Do you agree or disagree with this point of view? Discuss the value of budgeting for organisations of all sizes and types, in terms of effective resource management. Explain what characteristics of a budgeting system are most likely to contribute towards its successful implementation and how a lack of these might result in ethical problems.