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Budgeting can be one of the most important parts of a financial plan. In order to manage your money most effectively, not go into debt, and in order to save for future expenses, like a home or college, you must have a budget. The budget will allow you to allocate specific amounts of money towards different expenses, like college tuition payments, ...

One of the best ways to save for a laptop computer or any other large purchase like that is to make a savings plan for yourself. Make yourself put away about 1/2 of your allowance or other money from gifts/work. Put this money into a savings account so that you won't be able to touch it. Ask your parents if they would be willing to help you save ...