No. of Recommendations: 1

Personally speaking, coming up with a realistic budget is the most challeging part of the process. If you find it difficult to get 'real'
figures for where your money is going then i'd look at eithe MS Money or Quicken (I'm a Quicken user).

A lot of financial instutions can download directly into these tools and you'll soon become (painfully) aware of where money is going.

The more advanced versions also contain debt-reduction planners and budgeting tools.

One thing i would say, if you possibly can continue to make 401K contributions then do it, especially if your employer matches - this is free money !!

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