Appollonia I bought a software package call Simply Budgets it is very simple and is a very effective way of budgeting for the future. It’s all very well to subscribe to “poverty” in order to save but it’s not sustainable and you will only revert disenchantedly back to your old ways. The idea for creating wealth is to sensibly “Plan” your finances starting from today. This is a very easy and effective way of doing it. http://www.simplybudgets.com.au.

(I have no financial interest in this company but it sure has helped me break the bad “spending Habits”.

“It is not the amount of money that you earn that makes you rich but the amount of money that you save”.

Hope this helps.