There's nothing more frustrating than not being able to find your financial information when you need it. And it's not only frustrating -- it could cost you money. Whether you need to dispute a credit card charge, balance your checkbook, or answer questions regarding your finances, staying organized means you'll always have the information you need right at your fingertips.

Today, I'll write about preparing a spending plan. Keeping track of your money and exactly where it goes is one of the hardest things to do. Credit cards, ATMs, checks, cash, debit cards -- these are all ways you can spend your money. So how do you keep track of where it's all going?