I found a great tool to get your budget under control, and keep those finances in order. It's detailed enough, as well as being customizable, to handle most household budgets. After using the Debt Reduction Snowball Calculator to see what it would take to get myself out of debt by the end of 2009, I found this Family Budget Worksheet at www.Vertex42.com. This spreadsheet template saved me so much time. All I needed to do was fill in income (variable from month to month in this business) as well as all my expenditures and I was able to come up with a budget that will help me plan for changes in my income as well as those months that have extra expenditures like November and February for property taxes, April for the TAX MAN, August to school shop for 5 kids, and of course that holida...
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