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.
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.