The great motivator Zig Ziglar said Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale. If your going to win long term in anything you have to have a plan. In the world of cash flow management that plan takes on the form of the allocated spending form (link above). Very straight forward, live it, love it, share it. Use a pencil is my advice because life is messy and things change but when they do you will have a plan and be able to adjust of the fly.
Dave Smith is part of the KCC finance staff and a Dave Ramsey Certified Coach.