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.

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.

I understand why many are still poor or struggling to make just a middle-income lifestyle. I'm a fiscal conservative, but I also have compassion for people who make financial mistakes.

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

I've found that when you can quickly knock out debt you get motivated because you see progress. Then you attack the other debt so fast that even if it's at a higher interest rate, you don't end up paying much more because you've gotten rid of it.

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

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.