SaveMillions - Develop your own money management plan

Steps to Build Plan
	•	Determine cash flow
	•	Develop initial spend plan
	•	Develop detailed spend plan
	•	Create money management plan
	•	Learn keys to success
	•	Get help if needed

Calculators
	•	Budget Planning Calculator
	•	Budget Tracking Calculator
	•	Budget Comparison Calculator (Bankrate)
	•	Budget Comparison Calculator (CNN Money)

Tools
	•	Monthly Expense Record (pdf)
	•	3-Month Expense Record (Excel)
	•	Monthly Expense Record (html pages)
	•	Monthly Budget Planner (pdf)
	•	Monthly Budget Planner (Excel)
	•	Monthly Budget Planner (html page)

Articles about money management - 2006 and earlier years

What's the average 'empty nester' budget?
A budget can help young people cut their spending
A balanced checkbook - now that's sexy
Perception is half the budget
How parents pay for private school
Avoiding holiday's financial hangover
Growing family on one income?
Too broke to save money? Never
College? Retirement? How to handle two big financial challenges
Save a bundle on your new baby
Get next year's tax refund now
Simpler living through software
50 ways to trim your budget
Save, budget to defeat payday loan cycle
Economics and you (understand the true cost of the things you buy)
Why is my bank bouncing my checks?
Pretend it's not a budget
How rising interest rates affect your pocketbook
Are your vices killing your finances?
10 ways you mindlessly waste money
Homebuyers feel pinch of rising rates
5 steps to total financial control
Does your fun cost too much?
7 ways to combat crazy child-care costs
The year of spending stingily (try it yourself)
Leave your ATM (debit) card at home (use cash)
Are you lending the government free money?
A bouncing baby can bust your budget
Raising your quarter-million dollar baby (based on Expenditures on children by families: 2005)
7 smart ways to spend your tax refund (also Best ways to spend your tax refund)
Earning more without burning more (how to properly use that pay raise or extra income)
Price hikes on tap for 2006
Get your finances in shape for holiday spending
Better budgeting with personal finance software
Ask the expert: basic budgeting
Simple solutions for budgeting/saving
Budget for real life
Tax refunds are bad
The high cost of weddings
10 great cars for under $18,000 (2005)
10 great strategies to save money
Save on a shoestring budget
How small spending cuts become huge savings
How to stop living paycheck to paycheck
Don't say it can't be done. These young people are already saving
Budget busters happen, so plan for them
Learn how to develop a practical wedding budget
If you write checks before payday hoping that they won't clear until your paycheck is deposited, you need to know about Check 21!
Budgets that work (honest)
A reporter tells how she got in trouble, and used a budget to help
Money lies and secrets will make it difficult to budget
Balancing Today's Wants vs Tomorrow's Needs
How Americans really spend their money
An Ideal Budget. Want a budget that will be a real challenge to live with, yet will ensure you satisfy your goals? You might also use your new budget figures in their ideal budget calculator
CNN Money has a budget maker. Use their budget tool, and compare your expenses to peope in similar situations
10 ways to find the fat in your budget
Are you living within your means? (it means something different for everyone)
7 ways to save for those unexpected surprises (emergency funds are essential for any budget)
Food and gas are busting budgets this year - the real cost of inflation
What else to consider if your budget just isn't working