Excel's family monthly budget template allows you to use your family's income and expenses to budget for the household. There are four sections for this template. The first page gives you a ...

These monthly budgeting percentages are just a guide, and do not include debt payments. Debt payments will come out of your extra cash flow outside of your basic expenses.

You can’t! Your cash flow budget doesn’t have to be intricate to be effective. You can use a spreadsheet, purchase a simple budgeting program, or even do a forecast by hand.

Credit: iStockphoto If you want customers to pay faster, give them a reason to. A small discount, like 2% if they pay within 10 days, can speed things up. It might shrink your profit a little, but ...