After you have track your spending for a month, you now have the information you need to create a monthly budget. Now you know exactly how and what you spend your money on. If you did not have a surplus of money at the end of the month, you can now see area where you can trim your spending in order to operate you budget with a surplus next month.
If you do find a budgeting worksheet that you like, you can simply add categories to it or replace the ones you won't use with your own items. For example, many of these worksheets that you will find online have a place for investment income but if you don't have any investments to track either ignore that category or replace it with one of your own. _Once you view a few of these templates, you may realize that you have more categories of spending than you thought. For example, when first creating a budget, many people forget all about gifts, subscriptions, and pet expenses but by working with one of the preprinted templates, you may remember additional expenses you need to consider.