Even the government wants you to plan out your finances (to be sure you pay your taxes, no doubt) and are offering up a free financial planning kit via download. From the site:
“Imagine putting aside extra money each month. Don’t think it’s feasible? Look no further than the coins rattling around in your pocket. Learn about the different ways you can develop and improve your savings, investment, and retirement strategies with this free kit.”
And yes, it is legit and it is from the government, so give it a shot and see if it can help you in any way. You can get the financial kit at the Federal Citizen Information Center.