Online Budget, Budget Freeware, Credit Counseling, Saving Plan??? Please Help!!!?

Are there any websites out there which can help me create a budget for my home and family? Perhaps something with an automated worksheet? I need some major help with this and am hoping to find something where I can just punch in the numbers and have it calculate several different options including a savings plan. Also...are there any good budget/finance programs out there that are freeware? And last but not least...has anyone ever used a credit counseling agency which helps you pay off your credit card debt? If so...what did you think? Was it easier and faster to pay your credit debt this way? Was it less expensive? Sorry for all the questions...I just really need to get myself on track and am at a total loss. Thanks so much for taking the time to read this and hopefully offer your help and advice.

Online Budget, Budget Freeware, Credit Counseling, Saving Plan??? Please Help!!!?

Here is a site that has quite a few different budgets, including several for beginners.

http://www.budget101.com/id177.htm

Here is info on Consumer Credit Counseling agencies:

http://www.forum.budget101.com/viewtopic...

Online Budget, Budget Freeware, Credit Counseling, Saving Plan??? Please Help!!!?

loan

Here is a very helpful company.

http://bestinvestmentarena.com... Report It

|||I only have an answer for the credit counseling which is don%26#039;t do it!!! It%26#039;s basically the same thing as filing chapter 13 bankruptcy. You%26#039;ll be paying off cards for up to 5 years and the effect on your credit will be horrible.|||well there is a software out there to manage your finances search for it|||There is some useful tips here.