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Your current age is the first consideration for making sure you have enough for retirement if there’s no social security. Obviously, the younger you are, the more time you have to prepare– thus putting you in a better position.

Welcome to your My Money Tracker! A spreadsheet suite that will help you uncover the hidden secrets in your spending so you can get out of debt, manage your business, and create a solid plan for financial success.

For many, the word budget is a hard pill to swallow. It means the end of fun–no more going out with friends, or taking a weekend trip with the family. That budget is like a weight holding you down that prevents you from living your life.

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