The Council of Better Business Bureaus recently began offering what amounts to an online short course in curing what’s financially ailing hundreds of thousands of homeowners. The course is tailored for financially troubled homeowners and others who don’t know the difference between a budget and a savings account, a default and a foreclosure or a credit report and a credit score. One such tip concerns how to develop a working budget. If you don’t know where your money goes you won’t know where you can cut back, but that’s not all. A budget not only helps you save money, but also develop sound spending habits, set and achieve financial goals, increase your income and work on other financial issues. This report is largely a printable form that allows you to get started right away listing your income and expenses in preparation for your financial nip and tuck. Better Fortunes: Control Your Money. Control Your Life.

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