Now we have reached the make adjustments phase, subtract your expenses from your income and if you have some money left over at the end of the month you have got yourself a budget. Realistically most people will not have a workable budget at this point, again it's not really your fault if you don't have a budget, because nobody ever took the time to show you how to set up a budget, much less help you stay on a budget. It doesn't take a rocket scientist at this point to figure out that you should reduce your nonessential spending habits and that's what they usually are is habits, they are your wants, not your needs. Pare your expenses down so you have some money left over at the end of the month and you now have your first monthly budget.
Do you struggle with a family budget worksheet? Is it hard to stay on top of your finances? Don't worry, you are not alone. There are a lot of families who struggle to live within a budget. Some don't even try. Some try every new budgeting program available. If you are reading this article, it means you are at least one of the proactive ones who is looking for a good solution. Let me suggest 5 good, free sources for budgeting.