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12 months 60 Minutes actual Answer bank better Bill and Mary budget buffer buying cash Certified Financial Planner Chapter charge accounts check register checking account cial plan Citgo clearly column consider cost couple coupon credit cards credit unions Crisis Elimination List debt discount dollar amount entered entertainment everyday expenses fine-tuning heating oil idea important impulse buying income Laying out yourfinancial long-term goals look medium goals ment method Minutes of keeping money management monthly obligations motorcycle necessary never options paid pay day Paycheck Last payment percent projections Question realistic realize records reduce Sandy savings program Set Some Goals short-term goal short-term savings account simply situation spending spent spouse stereo Stevensons storm windows surplus is shortage talked TERM GOALS Thank things tion Total Obligations vacation Visa Wisconsin workbook worksheet write yourfinancial plan