First, when it comes to a budget you have to have an idea of what amount of money you are going to make each year, month, week, and even day in some cases. You also have to know how to properly use extra money that was not figured into your budget. It is always better to figure on making less and spending more than making more and spending less. Second, if you struggle with budgeting, then using budgeting worksheets might help you. These can be printed out or just kept on your computer if you prefer. Most of the budgeting worksheets that are out there will break everything down into the categories for the bills that you need to pay. This is very helpful and will allow you to stick to the budget you set up for yourself.
Write down what you spent last month. Use Categories like mortgage, food, entertainment, clothing, transportation and savings. Savings is an important category. Is there something you should be spending your money on that you didn't last month, but that you think you should. Already the process begins to uncover things you want to know Write down what you expect to earn next month. If you are on a variable income, it might be helpful to put this in three columns: The minimum you expect, an average of what to expect, and the highest amount you expect to earn. Don't count on the highest number, but it is a great goal setting exercise to strive for that high number on a monthly basis. Write down what you KNOW you will spend next month. Fixed expenses like mortgages, property taxes are known amounts. They are constant every month and don't change. While you can change your rent or mortgage amounts by moving, it is unlikely that you will do this next month. So consider these Fixed expenses.