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Budget forms can be a very valuable tool for creating and maintaining your budget.  But, you have to remember that the best tools on earth are worthless, if you don’t know what job you’re trying to do.  Try to use the best tools that you can, but remember, what you are actually doing is trying […]

Rising Fuel Cost has wiped out my budget!
Not really, but:
Some people just can’t answer the question of why budget. 
Today’s world just gives us another reason for why budget.  The cost of fuel here in the United States is skyrocketing, food costs are on the rise and every time we turn around, it seems like everything just […]

Budget software is a tool for you to use to gain and maintain control of your financial life.  Budget software is not a necessary tool.  It is just something to help you do the job in a more efficient manner.  The easier it is for you to budget, the more likely you are […]

Free Budget!  There is no such thing as a free budget that is going to meet your needs! I can give you free budget spreadsheets, templates, worksheets, and software, but realize that a budget is a careful plan.  It is unique in that it is your plan.  No one can develop that careful financial plan […]

“Why budget” should be a rhetorical question.  No answer should be expected for this question as the answer should be apparent.  Each of us should already know the importance of a budget to our financial livelihood.
Asking why budget is almost like asking why eat.  A budget is just as important to our financial life as […]

Everyone budgets.  Some are more successful than others.  Some use a very structured, strict budget.  Others do their budgeting in a very informal manner.  Apparently, you’re looking for information about how to budget your money successfully.  If you weren’t, you wouldn’t be reading this article.  This tells me that you are concerned about your spending […]

We are dedicated to helping you have a better happier life through frugal living. 
The first thing we should do is define frugal.  In Webster’s New World Dictionary frugal is defined as not wasteful; thrifty; economical.  It does not mean cheapskate or tightwad.  Frugal living is simply using your resources, i.e. money and time, to give […]