help me find a free on line program to help me set up a personal budget?

Answer 1

microsoft.com has a number of helpful templates for personal and business use - go to the website and search under templates for budget.

Answer 2

The above two answers are great and it shows the variety of potential budget support you can get from a computer. MS office has some templates that you can bring into MS EXCEL.Go to : http://office.microsoft.com/en-us/templates/TC062062791033.aspx and you can choose depending on your Excel version. ( I think that MSworks has it already built in as a template)

The other option would be a standalone program. I would suggest using a free one (there are lots) search though CNET downloads at this site: http://www.download.com/3120-20_4-0.html?tg=dl-20&qt=budget%20software&tag=srch and find the one that fits your computer best. You should read the comments to find out if the program is any good. IF you have XP you should try: ACE Money LITE.. I tested that before I went to an Excel based one.

The computer will only help you sort though your spending and do the math for you. The tough part is going to be finding out where your money goes now. For that I would suggest a pen and small notebook. Starting on Monday, write down every penny you spend or get a receipt, then every few nights (or every night) type in what you spend into your budget software (or excel file). (it would also be helpful if you could download your credit card statement and check register from your banks). TRACK EVERY PENNY, most people are surprised how much they spend on things they do not need.
Two other sources that are good:
http://www.360financialliteracy.org/
http://www.feedthepig.org/

Luck...

Answer 3

Why do you need a computer program do perform simple math?

Answer 4

try this:
http://www.mvelopes.com/