Consider these useful online net cash flow calculators:
Raymond James Financial, Inc. (www·raymondjames·com/calc_budget·htm) offers an online worksheet that tracks your income and expenses. After your totals are calculated, print the form and compare your income and expenses with your budget to make sure you're not overspending. Kiplinger (www·kiplinger·com/tools/budget) has an online work- sheet that can assist you in getting on top of your monthly living costs by projecting expenditures in various categories, and then comparing those projections to what you actually spend. You can save your work- sheet on your own computer or simply bookmark the page to use over successive months.
Tomorrow's Money (www·tomorrowsmoney·org/section·cfm/389) offers an online calculator to assist you in determining your typical monthly and annual expenses. By subtracting those expenses from your income, you see where you can begin creating additional savings and how much you have to invest for your future. All you need is your check- book, your most recent bank statement, and a pay stub to get started.

Finding Online Resources to Track Your Income and Expenses

The best way to start your spending plan (or budget) is to track all your income and expenses - everything - from now, backing up to six months ago. This record provides you with the latest information about what you're earning and spending. Don't forget: Keep your tracking method simple.

Selecting a tracking method that's too complex makes your work too difficult, and you'll likely abandon your effort. Bear in mind that your spending plan is a communications tool. Difficult-to-explain spending plans won't win the sup- port of others in your family.
The most difficult part of budgeting comes at the beginning, when you must take a good, honest look at where you're spending your money. Sharing this information and having discussions about it with a spouse can be painful. Take heart in the fact that you're not alone. Many people have their own foibles about spending money.

If you don't yet have online access to your brokerage, bank, and credit card statements, check your statements or their Web sites (often given on the statements) to find out how to get started. As you begin accessing your accounts online, you may notice that you have to visit several Web sites to gather all the personal finance information you need. Some people like having their accounts scattered throughout cyberspace because they think doing so discourages hackers and impedes identity thieves. However, many people find having to deal with a plethora of passwords annoying. The solution is an account-aggregation service. You can try any of the many free personal finance-aggregation services available on the Internet. Aggregation services are essentially Web sites that consolidate all your online financial informa- tion so that it's easier to access. Two varieties are available - bank and nonbank-aggregation services.

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