The Math is Simple. It is the Self-discipline that is Hard

Want to know what you are really spending? Or maybe it is time to take your budget to the next level? The sample spreadsheets here are to help you get started.
Download Your Actual Budget Download Your Desired Budget

Budgeting is nothing more than applying this basic formula to your life.

Income - Expenses = Gain/Loss


Financial calculators available through credit unions, banks, or other financial web sites can do the calculations your smartphone calculator can’t. They can also do some interesting “how” calculations. Things like: how much will my savings be worth? How many years will it take to pay off a loan? How long will it take to pay off my credit card? Student Loan Calculators are available with most of the financial calculators noted above, but I like some of the following calculators that specifically address college debt.