It has been written that the key to successful money management is developing and following a personal financial plan. Most of us live check to check and some of us (in a worst case scenario) have more bills (debt) than income each month. Through our Financial Calculator, we hope to help you see exactly were your money is spent each month and to help you develop your own personal financial plan. Research has shown that people with a financial plan tend to save more money, feel better about their progress, and make more appropriate decisions — no matter what their income. Moreover, a written financial plan is far more effective than a mental one. Seeing your plan in writing helps to remind you about what actions are necessary to reach your goals and it helps you to check your progress more easily than relying on memory alone.

So, how do we get started? We have set up the following steps to help you develop your successful financial plan:

• Gather past income and expense records
• Use the Budget Calculator list all your Income and Expenses

Go to the Budget Calculator: