Funny, but I still use a 6-month cash-flow spreadsheet broken down bi-weekly. I teach my children about other tools, and what they should learn about to do it b

Funny, but I still use a 6-month cash-flow spreadsheet broken down bi-weekly. I teach my children about other tools, and what they should learn about to do it better, but if you dutifully keep a 6-month to 1-year cash flow spreadsheet, you are leagues ahead of the average person. It was the first tool (started in my thirties, and in my mid-fifties now) that made me avoid waking up to a negative balance, because I couldn't foresee expenses coming in right before my paycheck. I admit I haven't done much beyond this, however, compared to my parents, I am doing much, much better. I can only hope my children can write the same twenty years from now!