Whether you choose to work on paper, online or using envelopes with cash, you must budget.
You can't imagine the freedom you will gain by having control of your spending. Things like Holiday Spending or Summer Vacations can be budget busters. But if you plan ahead and get creative with your giving, you can enjoy all of life's extras without going into debt.
Need Help with Budgeting, give us a call. Once you are on a budget, you can work towards homeownership. Here is a link to free budgeting information: http://www.daveramsey.com/tools/budget-forms/?snid=tools.forms