In a world of uncertainty, one thing is certain: when you retire, your income will change. Even if the expected change is small, it’s good to plan for it. The last thing anyone needs is a surprise.
The thought of creating a budget makes me groan audibly. Could anything be more dull? Well, maybe the old paint drying thing is more dull but I avoid that, too.
Here are a few things to help get through this drudgery:
Help from the US government:
http://www.consumer.gov/articles/1002-making-budget#!what-it-is
A nice worksheet to help you sort things out:
http://www.consumer.gov/content/make-budget-worksheet
A few tips from the Dummies series:
http://www.dummies.com/how-to/content/how-to-create-a-monthly-budget.html
Using Excel:
http://www.vertex42.com/ExcelArticles/how-to-make-a-budget.html
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BOOMERings 