Here is a website that is FREE for you to use that will help you create a monthly budget and track expenses. In order to avert any financial distress this is a must. You have to know where you are and how much money it takes to run your household. The average family does not have any clue as to what a budget even can do. Think of this as a way to get a foot up on your bills and creditors. I highly recommend http://www.mint.com for everyone.
Watch this video:
Money Guy
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