You have to start somewhere and a budgeting worksheet can make the dreaded task of budgeting much easier. Whether you use computer based software or plan to keep your budget on paper, a worksheet can help you to brainstorm the categories you will need to budget for. While most of them will be slightly different than the budget you eventually come up with, they can serve as a helpful tool that will make the entire process much easie
Your Next Step _ Any time of the year is a great time to take inventory of your current financial position. Check out Virtual Envelope resources including our Personal Finance book and corresponding Budgeting Worksheets and put Virtual Envelopes to work for you. At our blog, you'll find a whole host of articles that will help you get started. If you need one_on_one coaching, we can help you with that too with our personalized Budgeting Coach. It will be well worth the investment of your time.