Most of us went all the way through school with little or no education on how to budget money. We learned a lot of useless stuff and evidently money was rated below that. Why don't they teach this in school well it could be because very few people have learned how to budget money including teachers. _ There are three things you need to know before you can even start to set up a budget. You need to know your income, you need to know your expenses,, and then you have to make adjustments so that your income is greater than your expenses. Pretty straightforward stuff right? Except very few people actually budget their money.
I've found that when creating a budgeting worksheet the best way to start is with a set up like this; _ Firstly, place your pay dates along the top (shown from A1 to G1). These can be weekly, fortnightly or monthly or any period that you normally work from. _ Then list out each income source and the amounts you receive from them. For irregular payments such as Christmas bonuses etc set up a row specifically for this and maybe name it "Other Income".