How do you keep it all together?

Recently my husband and I developed an effective financial strategy. Before each month begins, we make a list that includes all income, bills, and needs. Several times during the month, we sit down and see if our plan is working. If not, we adjust it. This is our sixth month doing this, and for the first time in our marriage, we are both relaxed about our money.

This tip comes from Real Simple reader JUDITH CROTTS, Little Rock, Arkansas