How do you borrow sensibly and draw up a budget, learning to distinguish between what you might 'want' and what you really 'need'?

BBC: A guide to money for young people

The condition is that Spain should sort out its banks, draw up a credible budget to 2014 and, above all, impose the same discipline on its regions.

ECONOMIST: Charlemagne: Killing the euro-patient? | The

The two senators want to see the establishment of a bipartisan commission that would draw up a programme of budget reform to be submitted to Congress for a straight up or down vote, with no possibility of amendment, since amendments would surely cause the whole thing to unravel.

ECONOMIST: America's stimulus plan