C.M.
We use MS Money and it makes things a lot easier to keep track of. We used to try to do it all with just an Excel spreadsheet and Money is so much easier. You can download your bank statements right into the program and there are all kinds of tools that you can use to see where your money is going and project how much money you will have after you pay all the bills and everything. It also helps you keep track of when all those payments are due. You can also go to www.providentliving.org for some tips on how to budget and eliminate debt. They have a basic budget worksheet that you can use to get started.