When you deposit money from your income source, you simply allocate the appropriate dollar amounts to the budget category accounts, based on your spending plan or budgeting worksheet. It's easy to move money around your various spending categories or budget category accounts whenever you need to. When a bill comes due, you simply transfer money from the budget category account to your checking and then electronically pay the bill. It's easy and extremely fast once you set it up through your banking institution.
If you do find a budgeting worksheet that you like, you can simply add categories to it or replace the ones you won't use with your own items. For example, many of these worksheets that you will find online have a place for investment income but if you don't have any investments to track either ignore that category or replace it with one of your own. _Once you view a few of these templates, you may realize that you have more categories of spending than you thought. For example, when first creating a budget, many people forget all about gifts, subscriptions, and pet expenses but by working with one of the preprinted templates, you may remember additional expenses you need to consider.