If it's your intimate relationship that is suffering from your money woes, you are not alone. Even perfectly matched and compatible couples can be driven mad by their partners' spending habits. Talk to your doctor about a marriage counselor who can guide you and your partner through this challenge. Eliminate debt. CUT CORNERS Compare the income and the expenses. In debt management budgeting, if the expenses are larger than the income, you are going to have to look at cutting corners. The easiest place to cut corners are on expenses that requires our discretion such as grocery bill, or the entertainment expenses. If you think you're responsible enough to use it in emergency situation, then leave one for those times. Buying a Gucci dress for a hot date isn't an emergency situation. Paying for school tuition fee or electric bills is a right example of emergency situation. Only fools keep more than one credit card. There really is no need for you to invest in a fancy budgeting tool in order to do a budget, but a good one will make the job easier. Many banks are now offering free PC banking and free personal finance software. You simply dial into the bank's computer or use web-based banking services, and download the checks that have cleared your account, directly into your personal finance software. The problems inherent in alignining projected sales and expenses, analyzing a business for profit and cost projects against multiple dimensions and producing accurate projections outstrip the capabilities of most budgeting and forecasting systems. Therefore, budgeting and forecasting, which is the focus of much important attention in today's business world, should be given enough value and attention for a beneficial outcome. Food must be scrumptious for your guests to enjoy and the venue or the reception area must look good when photographed. Indoor weddings must have at least a spot where guests and the couples could be photographed. Don't waste your wedding budget with reception areas that only offers dining area; choose those that offers their lobby or some parts of the establishment that have an elegant and stylish backdrop.