Get Your Budget on Track. You're not going to get ahead financially until you develop a reasonable budget _ one that allows for both some indulgences and for emergencies _ and then stick to that budget. Budgeting your money is the cornerstone of a sound financial plan. You might scoff at the idea of creating a budget _ after all, you pretty much know what you spend every month, especially on big_ticket items like rent/mortgage or car payment.
But try this anyway. Creating a budget and then following it can help you spot areas where you're spending more than you realize. Here you will find tips on how to create a budget and track expenses along with other money management techniques.