You cannot determine where you will be tomorrow if you don't know where you are today. These are simple words, but powerful advice if you want to begin saving and preparing for your future. The newly created Moneysmartz Financial Situation category will help you determine where you are financially today. Assessing your financial situation comes in many colors and flavors, but essentially boils down to determining your cash flow, income coming in less expenses going out, and your net worth, your assets, including investments less you liabilities, like credit card bills. The great news is that the Web offers do-it-yourself calculators and tools to make your job a lot easier. Be sure to visit the category Best Bets, including Mint.com, to create a budget, and NetWorthIQ, to track your net worth. If you prefer pencil and paper, then visit the About.com Financial Planning picks for worksheets. Once you determine where you are today, it won't take long to start achieving your long-term goals.