Phil's Personal Finance Tip of the Day:
A Budget For Today and Tomorrow
Kiplingers.com
Start 2013 with a budget to achieve your financial goals!
USE THIS WORKSHEET to get on top of your monthly living costs by projecting expenditures in various categories, and then comparing those projections to what you actually spend. First, enter your estimates in the Projected column. Print this page and keep it. Over the next month, record your expenditures in these categories in a small notebook, then re-enter both sets of numbers in the worksheet. The buttons will calculate the rest of the values for you. You may want to save this file on your own computer or simply bookmark the page to use over successive months.
Read more: http://www.kiplinger.com/tools/budget/#ixzz2Ge2QTExp
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The past cannot be changed. The future is yet in your power. - Mary Pickford
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