I need help planning a budget.?

I am 20 years old--my boyfriend and I live in New York and we both work, but we don't make that much money. I work at a hair salon making a set pay a week plus tips, he works and gets paid by the hour. Our income is always changing.





I would really like to work out a budget that tracks how much money we get and how much we spend, in hopes that we can save up and move into another apartment.





Money would have to be saved as we both have really bad credit from when we first started living on our own, this is my fault not his, :) I am younger and totally ruined my credit cards.





Does anyone know good free programs to do this? Printable worksheets?





I've found some online, but not as many as I thought I would.





Thank you. :)

I need help planning a budget.?
Get a book by Dave Ramsey. He has helped my family.
Reply:Check out this website - http://www.expenseregister.com , it is a free, online budgeting tool. You can setup a budget, log and track expenses, create reports, etc.
Reply:The Income and Expense Report is one of the best reports to help you at any time


* Monthly and Yearly breakdown


* Income totals


* Expense totals


* Suggests emergency fund amounts.


http://www.ysdata.com/interest/budget200...
Reply:ck out this website: www.daveramsey.com--great program--got us out of debt and you can get the info for free. he's does have a couple of books you might could find at the library. but he does a radio show and you can get a pod cast from his website that are free. if you listen to him for a few days you'll pick up most of it and if you can call him for advice he'll send you a free book. but it's an awesome program