Getting on Track.

The article presents the financial plan developed by Gwendolyn V. Kirkland, a certified financial planner with Kirkland, Turnbo & Associates, for Tyvi Small, a 31-year-old single man from Knoxville, Tennessee, who has a newly purchased home, a fulfilling job, and no credit card debt. It provides a background of Small's personal finance. Kirkland advises Small to develop a budget for him to see exactly how much he is spending. Kirkland also emphasizes the need for Small to cut out extra spending and increase his savings.