Build a budget that works

The key to successfully managing your money is to create a monthly budget that actually works. Everyone spends differently so it's important to be realistic (make achievable goals) and to stick with it. It will take some time to get used to but the rewards can be significant.

Here's a great budgeting tool from the "Queen of Debt Reduction", Gail Vaz-Oxlade to help you achieve your financial goals: http://www.gailvazoxlade.com/resources/interactive_budget_worksheet.html