How to Budget

Everyone should create a budget. If you are not sure how or just
not good with money, many businesses such as H&R Block, offer
free financial consulting to help you put a budget together.
Knowing where you are spending your money is by far the best
way to save. In most cases, people have no idea where their
money is really going and once they see it on paper, not only are
they surprised but also eager to change their spending habits.
If you are wondering where to start go to Google and search for
budgeting tips and you will find plenty of free advice including
spread sheets.
Another great place is to try your banks web site and go to the
loan application area and they should have some free budget
sheets as well.