Mvelopes Personal Budgeting Software

Before I get started with this, let me offer you something right off the bat. We’re all frugal people here – so here’s a free eBook called Money For Life – Budgeting Success and Financial Fitness in Just 12 Weeks. Quick overview of budgeting, but for a beginner, it might be helpful.

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Preparing to Make a Budget

The first step in making a budget is to find out your current state of your finances.  Most people don’t have any idea where their money is going and that can be a dangerous thing.  If you don’t know where you are spending your money, you won’t have any idea where to start cutting back and therefore saving money.

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