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.
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