If you’re trying to figure out where to start with money management and aren’t quite interested yet in outside help, here’s a great free online budget tool that you can get started with. Real Debt Help – Get out of debt with Dave Ramsey’s Total Money Makeover Plan – daveramsey.com.
Budgets. What are they? A plan setup before a set time period begins that controls what the expenditures can be. For more on the what and why check out this article and PDF guide at the end. A Zero-Based Budget: What and Why – daveramsey.com.