WHERE'S YOUR MONEY GOING

Hold up.  Are you uncertain about your finances as they are right now? Honestly.  You may or may not have had the opportunity to play a game called "Cashflow 101" by Robert Kiyosaki.  If you're not familiar; in this game your objective is to get out of the 'Rat Race', and you do so while adjusting your income statement.  That single sheet of paper is used to manage all of your income, expenses, assets and liabilities.  So, adjusting the details in the game is a powerful learning curve; but far more important is adjusting your own personal income statement.  It's an honest evaluation of your own income/expenses and you continue to update it every month with any changes that occur in your spending habits, or as you gain more assets/liabilities.  I strongly recommend you set aside some time to adjust your own income statement if you haven't already.  Here's a link to download a free copy of an income statement template.  http://www.FreeIncomeStatement.com.  If you don't like this template you can always do a search in Google for something along the lines of "Cashflow 101 income statement filetype:xls" and open the XLS files for Microsoft Excel.  As a side note: Some cash gifting programs may charge you a monthly fee with their program.  Understand that with The People's Program here; there is no recurring fees to maintain your membership.  The only recurring fees that you would likely incur are any expenses you choose to pay for additional advertising.