BUDGET

One of the first steps to assess your financial situation is to complete a budget with the income and expenses you have today. Once this is done, you can then analyze where you are spending the most and where you can cut back. This will allow you to manage your money and to live within your means. It will also give you the tools and the knowledge to know that you can make ends meet, pay off your debts and save for the future and this will reduce stress and give you the freedom to enjoy life.

Budget Worksheet

The Budget Worksheet is in Microsoft Excel. The worksheet can be downloaded to your computer and used to track your monthly spending. After a few months, you can compare your current budget to previous months to fine tune your spending habits.

You can save this worksheet in your computer and use it every month. This is a great way to see exactly where your $$$ is going and to find out how much $$$ is left over at the end of the month. If the worksheet is not saved to your computer, it will lose any information when it is closed.