Have you heard of Mint.com?? This is new to me, I just heard about it from a friend (thanks Michelle!) and it’s FABULOUS! At Mint you’ll find online money management and budgeting software for FREE! There are graphs (which I LOVE) and you can track your expenses and keep up with your budget. All in one place. Honestly, my husband usually keeps up with this kind of stuff (he is in Finance – so I let him deal with all of that) however, after seeing the ease at this site, I’m going to put MY OWN numbers in there and see how we can save more. Really there are great spreadsheets & calculators and more. Check it out HERE. **and it’s FREE**!