Not that “B” word, but this one can be just a tough to swallow.  BUDGET!  Budgeting is a key step to becoming financially independent.  To make this easier, we have created the Twenty5 Guide to Money & Spending.  

This is our easy to follow and easy to use budget tracker.  Simply fill in the white cells with the appropriate amounts.  We have included basic expenses, but everyone has unique bills.  Make it your own!  We have also included Monthly Reviews.  This is where you can track your budget against what you have actually spent. 

If you prefer an app or service to help with budgeting, there are several.  Two of our favorites are Mint.com and HelloWallet.com.  Although HelloWallet is a paid subscription service, many companies offer subscriptions in your employee benefits.

This is only the first step, but stick with it.