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Free Budget Plan
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This FREE Budget Plan Has It All !

Complete and Detailed Instructions and Worksheets - Start Today !

Control Your Money Future !

Quit Spending .. Start Saving .. NOW

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Jay Lillard

"Did You Know?"

Saving $5 a day with an average interest rate of 5% will give you over $90,000 at the end of 25 years. Half of that will be the money you saved; the other $45,000 is from interest payments!

The first step in gaining freedom from any past and future money problems is to determine where you are right now, what you know about your money and what you don't know. No one is born knowing how to create an effective budget. It must be learned. A very few people are born wealthy and they never worry about money. But for the vast majority of us, we must learn how to control our spending so we will have money "leftover" to save and invest for what we want. Leftover money is the basis of all budgets. The reason we plan a budget and live on a budget is to create money that is not spent, but saved. Regardless of your income, you need a budget. Can you imagine a business operating without a budget? Can you imagine a government agency operating without a budget? It would be impossible.

The same is true for operating your personal and household business. Without a good working budget for you and your family, you will not achieve your financial goals. In our consumer society, it is just too easy to spend money on things you really don't need. We will do this all the time without a good budget to guide us in our spending. In order to avoid this excess spending, it's time to get serious about preparing that personal budget and household budget. You know you are ready for this. So, over the next 3 pages I am going to give you some detailed instructions and easy tools to get you started on your personal and household budget, as well as begin a true saving plan that will work for you. Stick with me and you should become financially stronger than you have ever been before.

My name is Jay Lillard and I'm a former federal auditor who has been helping people make home budgets for over 20 years. I've used my experience to put together this site. Everything on it is free for your personal use and your privacy is guaranteed. Refer to our terms and conditions of use and privacy policy here for details.

Following is a simple family budget plan that anyone can use along with some tips and techniques designed to make the process simple, easy and effective. If you will take a look at the top of this page, you can see that I have included a lot of basic financial information and some information about money management. Feel free to print out anything on this entire site and use it at will. Use the calculators and read the savings, insurance, loan, coupon and survey information. Be sure to take a look at all of the links and information I have gathered for you, especially the money saving tips page. I have also included a wealth of budget forms and worksheets you can use for free. (Click NEXT PAGE here or below.)

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Free budget plan, budgeting worksheets, budgeting spreadsheet, household budgeting with complete detailed instructions, money saving tips, coupons, paid online surveys, budget calculators and free email course. Track spending and saving. Plan and set goals. Organize and maintain your personal and household budget. Free budgeting newsletter.