Plan Instead of Panic _ But this is no time to panic. It just the time to find out the truth. As one major advertiser tells us, even if it is not good news, it is good to know! When you figure out where your money is going, you will be able to fix it. If you have no idea where your money is going, the problem will just get worse.
The use of budgeting worksheets will make the process of creating and maintaining a budget so much easier. Many people don't live within a budget simply because they find the process of creating a budget so overwhelming. While it can be difficult to account for every dime you spend across several categories, the rewards of doing so can have a huge, positive impact on your future.