Where can I find a budget program?

There are two different things I currently use. Microsoft Excel is a great spreadsheet program. In addition, you can download tons of free personal budget templates already set to go. The formulas and formatting is done for you; you just need to plug in your own numbers.

Another online option is Quicken Online. It's a free 60-day trial and only $2/month after that. You can add all your external bank accounts and credit card accounts, and it automatically gathers the transactions on all your accouts daily. You can track your transactions and pre-set categories and create monthly budgets. It's a pretty cool program that I've really enjoyed.

If you have any questions about it let me know.

Most of those programs are more of accounting than budgeting. Microsoft money might have what you want. You are better off just using an Excel spreadsheet. Put down all the expenditures in one column, project the amount for each, then put the actual dollar value in the next column. The key to sticking to a budget is to force yourself to spend within your means. If you allocated $50 per week to eat out, then don't spend $55.

The Motley Fool writes columns for newspapers. www.fool.com

They have budgets for you. The librarian at your library also has them..