Is more money going out than coming into your household budget? If so, perhaps it’s a good time to re-evaluate your spending habits and come up with a household budget saving plan.

A number of Web sites specialize in advice on how to calculate and reduce household expenses. Here are a few:

¢ Consumer Credit Counseling Services (www.cccsstl.org/savemoney/index.asp) discusses how to develop a budget, and ways to save.

¢ Families.com (finance.families.com/trimming-your-household-budget) provides six tips for trimming a household budget.

¢ Foundation for Credit Education, Inc. (foundationforcrediteducation.org/mymgmtbasics/budg_work.html) features budgeting worksheets and monthly and debt-to-income calculators.

¢ Kiplinger.com (www.kiplinger.com/tools/budget) offers worksheet to calculate projected household expenditures with actual spending.

¢ Our Family Place (www.ourfamilyplace.com/homeowner/budgettips.html) covers general and specific household budgeting topics.