As a Financial Coach, the most commmon question I get is "Where do I start?". Most people have no idea how to even begin to take a serious look at their finances in order to fix them. I suggest you start with a simple budget. Take a look at your income and then a realistic, honest look at where every penny is going. Click on the icon above to go to a fabulous quick-start budget. It takes about 3 minutes to create a simple budget using this outstanding tool and its total FREE! While you're on Dave's website, take a look around. Its filled with fabulous free tools.