Here is a tool that can help you with the basic simple principles of how to make a budget or a spending plan.If you follow this 12 month plan, you can manage your cash flow evenly each month. Your outgo of money will be the same. There will be no surprises.I have given over 150 talks and workshops teaching this method. I counseled over 1000 people face to face and about 500 by phone.This yearly plan has worked for my spouse and I for over 50 years.My husband and I were featured 3 times in a money management national magazine about how we succeeded.My mission is to teach you how easy it is to do. The same budget guidelines work regardless of your income or outgo.You can start at any month.Budget is not a bad word-it is taken from French meaning "to allow".
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