Most of us went all the way through school with little or no education on how to budget money. We learned a lot of useless stuff and evidently money was rated below that. Why don't they teach this in school well it could be because very few people have learned how to budget money including teachers. _ There are three things you need to know before you can even start to set up a budget. You need to know your income, you need to know your expenses,, and then you have to make adjustments so that your income is greater than your expenses. Pretty straightforward stuff right? Except very few people actually budget their money.
Complete a Budget Worksheet _ I would urge everybody to sit down with a budget worksheet once in awhile. But you really need to do this if you think your finances are out of control. The form should not take that long to fill out either. It is not important for you to be 100% accurate. It is important for you to understand how your family finances are working for you.