Cut out. Lots of us pay for things we do not even use. This is another mistake that gets easier to make with so many automated payment plans. Do you keep a gym membership that you do not use? Replace that with a brisk walk, weights, or a stationary bike. You will not have to make monthly payments, and you may find it is more convenient.
Monthly Budget Worksheet _ Once you complete the monthly financial report for the past month, you are ready to create your monthly budget for next month using a monthly budget worksheet. On this worksheet you will record all your monthly bills, including the amounts and the due dates. You will also allow a certain amount of money for all other expense categories based on your previous monthly financial report. If you operated last month in the red, you will want to look at where you can cut your spending this month so you have a balanced budget with a little excess at the end of the month _ So, as you can see, creating a monthly budget is pretty simple if you use these three must_have budget worksheets. It takes some time and work but living within your means is such a great feeling.