According to many media reports, a shocking 43% of families spend more than they make each month.

But where does that number come from? We can't track down the source.

The Federal Reserve's 2004 Survey of Consumer Finances says only 7% of families reported that their spending usually exceeds their income.

An additional 16% of families surveyed reported that their spending and income are usually about the same.

If that's you, stop scratching your head at the end of every month, wondering where all of the money went. Let us show you how to create a spending plan that will help you live within your means -- and maybe even save a little.

Our 6-step plan for managing your money can also help you make smart decisions and build financial security for you and your family.