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.
When you deposit money from your income source, you simply allocate the appropriate dollar amounts to the budget category accounts, based on your spending plan or budgeting worksheet. It's easy to move money around your various spending categories or budget category accounts whenever you need to. When a bill comes due, you simply transfer money from the budget category account to your checking and then electronically pay the bill. It's easy and extremely fast once you set it up through your banking institution.