3. Hula Hoop Obstacles: Set up a super fun hula obstacle course in your backyard. Create different stations with various tasks such as (Station 1: hula hoop for 10 spins; Station 2: jump through three hoops that are held by three different people; Station 3: jump rope with a hula hoop while singing “Miss Mary Mack” or another silly rhyme, etc.

4. Hoop Toss: Scatter cardboard boxes or empty plastic soda bottles around yard with space between each. Write point numbers on each box or bottle. Take turns gently tossing hula hoops to encircle boxes. The player with most points wins!

5. Hula Mastery: Try to copy incredible skills of Cirque du Soleil hoop performers. Start out with one hoop on your arm, and then add another spinning hoop to your other arm. Once both hoops are spinning in time, try to pick up a hoop from ground with your foot and spin it around your ankle. Bravo!

The fact is that average person can save $100 in less than three months. In some cases even sooner. That's not very long to accomplish a goal.

Now let's look at setting milestones using same method. Roll your change once a month to see how close you are to your goal. Write down how much you saved that month on a piece of paper and put that and your rolled change back in jar. Keep doing this until you've reached your $100 goal.

Now, what do you do with that $100? You could put it in a savings account and earn a little interest but it still wouldn't be worth much more than $100 even after a year.

My suggestion would be to pay it on one of your credit cards. That way you could turn that $100 into much more with interest you would save.

It may sound like I strayed from topic of this article by talking about saving your change. Actually a budget is just a system of reaching goals. You do this by working backwards. You decide what it is you want to do and then make all of your money decisions based on that end.

Setting up and maintaining a budget is going to take organization and discipline. This task will be much easier if you are working toward something you really want.

To learn more about Budgets you can visit The Complete Budget and Bill Organizer http://www.homemoneyhelp.com/BBOonline.html to find Budget Stretcher's free budget system complete with all of forms and worksheets.