The Goal

To increase revenue and decrease expenses. 

1. Use tools that you understand and have realistic goals
   • Excel spreadsheets
   • Virtual banking
   • Checkbook
   • Mobile Apps
   • Mint: Managing your money
   • You Need a Budget: Helps you get out of debt
   • Wally: Tracking expenses
2. Track bills, expenses, and promptly address any past-due notices
3. 50/20/30 rule
   • Spend no more than 50% of your income on NEEDS
   • Spend at least 20% on FINANCIAL PRIORITIES
   • Spend no more than 30% of your income on WANTS