Did you answer yes to any of the questions above? If you feel like your life is getting out of control financially, you need to develop a personal budget system so you can better manage your personal finances. Think about it, how can you possibly manage your money if you have no idea where it all goes each month? You need to become disciplined with your money. If you are reading this, you have already taken the first step toward that end. This site is dedicated to helping individuals take charge of their finances and begin achieving financial independence.

You think financial independence is out of reach for you? You don't make enough money? Think again. It's not as far-fetched as you think. Saving as little as $150 per month turns into $1,038,491 assuming a 15% return over 30 years!

You will need to visit the sample budget and budget tips modules to get started. The sample budget shows you graphically what a sample budget looks like. I recommend this page first so you can see what information goes into a simple personal budget and to get you thinking about what your budget will look like when you are finished. Budget tips contains important information about developing your personal budget. Last, download Personal Budgeting, it is a software product designed to track your personal budget information each month. It's not as fancy as one of those personal finance packages, but it is much more flexible and easier to learn and use. Ok, let's begin ...

                                                                

• Track Monthly Expenses!
• Compare against Budgeted Expenses!
• Track Credit Card and Installment Loan Balances!
• Keep Your Checking Account Balance!
• Track Unlimited Checking Accounts!
• Estimate Your 401(k) At Retirement!
• Calculate Loan Payments (for a new car)!
• Print Detailed Reports to Analyze Your Financial Condition!

SIMPLE
PB is a comprehensive budgeting product designed to help individuals track and plan their monthly expenses. It is designed to be easy to use. Have you ever tried to use Quicken? MS Money? These are very powerful programs, but require a lot of knowledge to operate them efficiently.

EAZY
As you can see from the sample screens, this program contains buttons and help screens to help you set up a budget and track your monthly expenses. After you establish your personal categories, you enter an amount you think you will spend in that category, then as expenses come in during the month, you enter them in as a new transaction. The software will then sum all your actual expenses and compare them to what you budgeting. It's that easy.

REPORTS
It comes complete with formated reports that you can view, print, or print to a file (HTML, Excel Spreadsheet, or Text). So after you have entered all this data, you can run reports and analyze the data to determine where all your money goes, or which categories you spend too much money on or not enough.