I'm a fan of MS Excel _ my apologies for those who have issues with Microsoft _ because I find its powerful calculations are easy to manipulate to help me better understand my finances. It doesn't really matter though which spreadsheeting package you use so long as you are able to calculate your amounts effectively. There are commercial budgeting worksheets available but if you want to create your own its a simple process.
Creating a monthly budget is really quite simply when you use the right worksheets. However, it does require a consistent effort on your part to both create and to live within your budget. _ Follow the how_to directions below to start creating your monthly budget today.