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Harvard bankruptcy expert Elizabeth Warren_named by Time magazine as one of the 100 Most Influential People in the World_coined the ൺቺተ rule" for spending and saving with her daughter, Amelia Warren Tyagi. They co_authored a book in 2005: "All Your Worth: The Ultimate Lifetime Money Plan." So how does the 50ቺተ plan work? Here's how Warren and Tyagi recommend you organize your budget.

Budgeting and saving money doesn't come naturally to many people, for obvious reasons: it's easy and tempting to spend money on non_essentials, even if your budget is tight. So how can you get on track with a realistic budget and save money? These strategies, taken together, have the very real potential to improve your financial situation.