Income minus expenses = Savings*In "Manage Your Money" (Part One | Part Two | Part Three), bugsybee shares an article she wrote for an issue of Star Teacher Magazine, which is not yet available online.*(not extra money for shopping)
While the article appeared in a magazine for teachers, others can also benefit from the very practical advice she gives (see "equation" above). Another possible title for it would have been "Accounting for Dummies."
Times are getting tougher. The peso is depreciating against the dollar. The price of gas is still going up. And our politicians don't seem to care. So go check out bugsybee's advice. After all, Christmas is just around the corner... at least, in the Philippines =)