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Save Your Retirement: What to Do If You Haven’t Saved Enough or If Your Investments Were Devastated by the Market Meltdown by Paul B. Brown, Frank Armstrong

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Appendix AWhere Does the Money Go?

We are of two minds when it comes to budgets. For some people, they are an absolute necessity. If they don’t write down every single item they spend their hard-earned cash on, these people have no idea where all their money goes.

For others of us, budgeting is only slightly less painful than a root canal (and the fact that some “financial experts” call a budget a “spending plan” in an attempt to lessen the pain of budgeting, just strikes us as silly).

But no matter what camp you fall into, it is helpful to get a handle on how much money is coming in and going out.

Fill-in-the-blank Tables A.1-A.8 can help. We like them for two reasons: Not only do they give you a chance to track every single item, but they ...

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