To get started, track your expenses for a couple of months. Then you should be able to start filling in your estimated debits and deposits for the next few months. Once you get it rolling for a while, you will be able to see your budget for the upcoming months reflected in the estimated totals. You can even notice year-to-year trends, like bonuses, tax bills, etc. that come up routinely and it will help you budget accordingly.

The number of those 19 to 25 with private insurance increased from 51 to 55.8 percent, and the percentage of uninsured fell from 33.9 percent in 2010 to 28.8 percent during the first half of 2011.

I write for people who are good money managers and want to know how to be even better stewards over their money.

If you'll have enough saved and nobody has to take on debt and you want to retire, shoot go for it.

You made a decision given your life circumstances and you have to be ok with that. Regrets that can't be change is just torturing yourself.

We have to protect ourselves by doing our own homework.

I love teaching people how to handle their money and I've built a brand on that skill.