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 _
Complete a Budget Worksheet _ I would urge everybody to sit down with a budget worksheet once in awhile. But you really need to do this if you think your finances are out of control. The form should not take that long to fill out either. It is not important for you to be 100% accurate. It is important for you to understand how your family finances are working for you.