Okay, so you've decided to make a budget.  Congrats!  You've taken the first step towards financial confidence!  But how in the world do you make a budget?  There are a lot of tools out there.  What should you use? If you want to go simple and not have to put any of your information online or limit yourself to any one product, you can make a simple spreadsheet.  The upside to this is that it's free (assuming you have a spreadsheet program on … [Read more...]