This year Oprah Winfrey has been challenging Americans to get out of debt and take control of their spending. She calls this America’s Debt Diet. Phase Two of the debt diet starts with planning a monthly family budget To begin a monthly budget for your family, write down all of your monthly expenses, estimating as best as possible. Here are a few things to keep in mind when looking ahead to your expenses: * Take a look at your calendar and note upcoming events that might cost money. * Make sure to account for unexpected or emergency expenses. Perhaps you … Continue reading →