You can easily create your own budgeting worksheets by accessing free worksheets online and then customizing them to your specific needs. This is one area where you definitely don't need to pay money unless, of course, they come with a software program you purchase. However, if you just want to make a list of your income and expenses that you will use to create a budget then you can find plenty of free examples online.
Traditional Approach: Cash Envelopes for all your Spend Categories _ One past useful money budgeting technique was to set up your saving and bill paying system using cash envelopes. Basically the cash envelope system consists of keeping separate envelopes for your spending categories and populating them with cash from your income source. Then when a bill comes due or you need to go shopping for food or an item you need, you simply pay for it with cash from the appropriate envelope _