First, track your spending and expenses for the next 30 days. You can begin by recording all your purchases on a weekly expense report worksheet that you fill out each day. Save your receipts from each purchase and then record a description of the purchase, the amount, its category, and how you made the purchase; whether by cash, check, or credit card.
Next, you will want to fill out a monthly financial report worksheet where you record you income and come up with your net spendable income after taxes and any charitable giving. Then you want to take your totals from your monthly expense record worksheet and fill in all amounts in the categories such as household, food, medical, transportation, and recreation just to name a few. When you total up your expenses and subtract them from you net spendable income you will see if you have a surplus or not.