In moments like this when the economy is bad, developing a personal budget plan is a sure way to safeguard your own personal future. It’s amazing though that most people prefer to spend and save as the day come and go. They make little or no attempt of using spreadsheets, balance checkbooks or a well planned out formal budget to track their saving and spending habits. It will be to your own self interest if you make it an effort and then a habit to outline and track your daily or monthly expenses in comparison to your income. One great tool you can learn to use, so that this becomes a more pleasant and professional task to do is to make use of a spreadsheet. (Read the full post about ‘Developing a Personal Budget Plan’…)