Have you been asking yourself, "Where does all of my money go?" Are you living paycheck to paycheck and it seems like payday Friday will never get here? Putting yourself and your family on a budget is the first step in finding out where your money is being spent. http://www.bankrate.com/ has some great budgeting tools including a sample spreadsheet, budget calculators, and tutorials to help start you on your way to financial independence. Copy and paste this link from bankrate.com - http://www.bankrate.com/finance/financial-literacy/budgeting-tools-tips-and-work-sheets.aspx Start with the Daily Expense Tracker worksheet and use it every day for one month. Include all expenses including bills, lunch, groceries, gas, etc - everytime you use cash, check, or credit. Then copy and past this link - http://www.bankrate.com/finance/money-guides/free-household-budgeting-work-sheet.aspx - to get a Microsoft Excel spreadsheet to help outline your income, expenses, and monthly budget. Knowing where and how your money is used is the first step to financial freedom and becoming debt free. Don't be discouraged - when you complete your first budget and have control of your finances, anything is possible!
"For I know the plans I have for you," declares the LORD, "plans to prosper you and not to harm you, plans to give you hope and a future."
Jeremiah 29:11
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