All you need is a memo pad and pencil. Jot down every penny you spend every day from buying a pack of gum to paying your rent.
At the end of a month look over your spending habits and eliminate the waste
You need to cut spending and raise income. A spreadsheet will not help unless you know what to enter and can be honest about need and want.
May 17th, 2010 at 4:21 pm
Go here:
Numerous programs
May 17th, 2010 at 4:40 pm
All you need is a memo pad and pencil. Jot down every penny you spend every day from buying a pack of gum to paying your rent.
At the end of a month look over your spending habits and eliminate the waste
You need to cut spending and raise income. A spreadsheet will not help unless you know what to enter and can be honest about need and want.
May 21st, 2010 at 3:06 am
See the link below for free printable budget worksheets: