I encourage all of you to spend some time visiting the financial calculators available at http://www.dinkytown.net.  There are some great calculations available on this site including :

 

Benefits of Spending Less : http://www.dinkytown.net/java/SpendLess.html

 

Cool Million : http://www.dinkytown.net/java/Millionaire.html

 

Don't Delay Your Savings : http://www.dinkytown.net/java/WaitCost.html

 

Lunch Savings : http://www.dinkytown.net/java/LunchSaver.html

 

Should My Spouse Work ? : http://www.dinkytown.net/java/IncomeOneorTwo.html

 

Net to Gross Paycheck Calculator : http://www.dinkytown.net/java/PayrollGross.html

 

Roll-Down Your Credit Card Debt : http://www.dinkytown.net/java/DebtRolldown.html

 

Taxable vs. Tax-Advantaged Investments : http://www.dinkytown.net/java/InvestCompare.html

 

 

These calculators allow you to enter various assumptions and the Java script updates with customized figures based upon your assumptions.  Many of these calculators allow you to assess the impact of small life changes on your savings, spending, debt or investments.