If you’re new to money management, here’s where I’d recommend that you start:

– Before you can create a budget, cut spending, and make progress on goals, you have to figure out what’s going on first.  Are you running a negative cash flow, where you’re spending more than you bring in?  How do you know where you’re overspending, or how badly, if you don’t know anything about your finances?

– Use your bank statements to categorize your spending, or better yet, something like Mint.com will track your spending for you and help you categorize your spending so you know where your money is going!  Once you have an idea of where your money is going, you can start to modify that to make progress towards your goals.

– If you’re married, your next key as soon as possible is to talk to your spouse.  Don’t talk to your spouse as in, “You spend too much money.”  Talk to them along the lines of, “I am concerned about our financial decisions and our future.  I want us to be able to do the things we’ve always dreamed of, and I think we may have to make some changes if we truly want that to happen.  I don’t know everything that we need to do, but would you work with me to help us improve our finances?”