No sub-forum needed (as I feel there are plenty of places on this website to discuss whatever moves you), but I would really like to see one of the BB regulars become a host/moderator, so they could have the power to move some of the more "off-topic" stuff to the Community Board, or other compatible forum without embarrassing the Moderator Team (for inappropriate threads/posts left on the BB way too long).
Fact of the matter is this board is assigned a moderator/host (aka-mad4themouse) who has not been heard from since 11-09-2009, which is more than 2 years ago (but still listed as someone who actively hosts/moderates the BB). For whatever reasons only known to aka-mad4themouse, that person has (obviously) not been present on The DIS in a long, long time. Fix this oversight, and a majority of your problems will be solved.
I think the lack of a full-time, dedicated moderator is what enables some posters (who have never mentioned anything Disney) to come here, post their financial woes, and hopes we will solve all their problems.
Thing is, the Budget Board has evolved into something way different than it's original intention (to plan Disney trips on the cheap, which is what brought me in) -- anymore, it's become something of a place where some are seeking financial advice/airing their financial "dirty laundry" while there are others who come here to vent about anything that bothers them (which was made evident by a thread that was recently locked and caused me some issues because of a comment I made).
My bottom line about the BB is that it was not intended to be, say, another Clark Howard or Suze Orman-type webiste (and I don't think the owners want it to go in that directon, either).
Hope this helps...