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 ...

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 ...

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.