Recent surveys show that less than 40% of Americans make a monthly budget sheet. I believe this is the first and major step to many of our financial problems. Money can be your greatest Employee, or your worse boss! So to begin your journey to financial independence you must first begin by making yourself a monthly budget sheet to follow! Remember, the key is to spend every dollar on paper before you ever spend an actual dollar of the paycheck!
http://www.vertex42.com/ExcelTemplates/family-budget-planner.html
Click on the link above to download a sample excel spreadsheet you can use to create and follow your monthly budget. Be sure to do this every month.
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