A written spending plan for your money that includes giving, saving, and spending is critical to achieving financial freedom. There is nothing more powerful than planning your spending BEFORE any of the money ever shows up and BEFORE the month begins.
To get started using these budget tools, first read the "5 Easy Steps to Budgeting" Series.
These tools require the use of Microsoft Excel. If you do not have Excel, use a free alternative like Open Office which is an excellent alternative to purchasing excel. You can also download these tools and open them in Google Drive using Google Sheets.