I bought a book called "Debt-Free on Any Income" by Lyle and Tracy Shamo a while back. It came with software and was full of tips and plans. (I need to read it again).
We could send you our Excel budget )with formulas all done) if you like. Collin is kind of a budgeting genius (read: Nazi), and he does everything in Quickbooks. Just email me and let me know.
No ideas.. except.. I kinda want Pie now. maybe a cherry with vanilla ice cream.. It does nothing for the budget. or the figure for that matter :)
If you can't say something nice, say it behind my back.