<prompt> Human: Like I said this is very easy to find just by one search on Google. Ive used it and my uncle has used it. He had 110000 in debt at the age of 27. He is turning 30 and will have everything paid off this year, including student loans, 1 car, and his condo. Anyone can do it. Dont push it off. Start now. Edit: Front page, thanks everyone. I hope for those who didnt know or see this before, that its given you some help and insight.  <response>: One thing to remember is the Budget is not a statement of cash flows. Most people need an additional steps to manage cash after the Budget is in place. Some use the envelope system, which is great. But some always ask about what to do with remaining cash they dont spend, for whatever reason. I keep a cash drawercigar box for petty cash that serves as a way to hold on to residual cash that I use for birthday gifts, flowers for memorials, etc. One other thing to better manage cash is to stop writing checks and use money orders. Money orders keep you from having to wait on someone else to cash your check. Just an idea. 