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Money Map Tools

Monthly Payment Calendar

A calendar is an easy money map tool that will help you carry out your personal plan.  Transfer your expenses to the date they are due on the calendar.  Use one color ink for income and a different color for expenses.  Check off each bill as it is paid. 

Envelope System

This is useful if you pay your bills or make purchases in cash each month.  Make an envelope for each expense, such as rent, gas, electricity and food.  Label the envelopes with the name of the expense, the amount and due date. When you receive income, divide it into the amounts to cover the expenses listed on the envelope.  Pay bills right away so you will not be tempted to spend the money on something else.  Keep in mind that this may not be the safest way to manage your cash.

Budget Folder

The budget folder is an expandable folder with one divider for each day of the month.  When you receive a bill, check the due date and place it behind the divider that represents 5-7 days before the bill’s due date.  Check the folder daily as part of your normal routine, i.e., right after you bring in the day’s mail. 

Electronic Tools

There are more and more electronic budgeting tools to help you manage your finances.  You can create spreadsheets or use a personal finance software program with a computer or notebook.  Financial institutions offer online tools and account access to help you track your expenses.  There are also dedicated websites that help you track and monitor expenses along with apps for your phone or other personal electronic devices.  Before using these tools, be sure to check for online safety and security features.  Make sure you know who has access to the information you enter and how it could be used. For more information on internet safety, check with or