The Orange Flower Simple Bill Payer contains tips for bill-paying, spending and saving, Living within your means and spending less than you earn. That's the most important principle of money management. Use the Spending and Savings Plan work sheet to keep track of your monthly payments, and to keep your total debt in mind as you go through your monthly bills. Know where your money goes. Create a spending and saving plan. This organizer makes it easy to track all your financial expenses.
