Male, black hair, blue shirt: Sometimes you may have to write down how much money you've ... you may not have a calculator handy, so it's important to be able to have a pen and a piece of paper ...

Using pen and paper, envelopes and spreadsheets are ... Not everyone relishes the idea of proactively managing their money. However, creating a budget – and sticking to it – are key first ...

But understanding exactly how quickly your money is growing (or ... out the calculations yourself with a pen and paper, try ...