Complete a Budget Worksheet _ I would urge everybody to sit down with a budget worksheet once in awhile. But you really need to do this if you think your finances are out of control. The form should not take that long to fill out either. It is not important for you to be 100% accurate. It is important for you to understand how your family finances are working for you.
Plan Instead of Panic _ But this is no time to panic. It just the time to find out the truth. As one major advertiser tells us, even if it is not good news, it is good to know! When you figure out where your money is going, you will be able to fix it. If you have no idea where your money is going, the problem will just get worse.