You have to start somewhere and a budgeting worksheet can make the dreaded task of budgeting much easier. Whether you use computer based software or plan to keep your budget on paper, a worksheet can help you to brainstorm the categories you will need to budget for. While most of them will be slightly different than the budget you eventually come up with, they can serve as a helpful tool that will make the entire process much easie
You can find several varieties of a budgeting worksheet online that you can print or use as a template in one of your existing programs. Even if you just use it to get ideas, it can be a big help when you sit down to create a money management plan. While not everyone has the same income and expense circumstances, this type of worksheet is a great place to start.