To get started, type the month in question in large print at the top. Next, you need to type (also in large font) how much money you make each month. So, if this is a four week month, you want to take your weekly paycheck and add it four times. Next, you need to go through and create a column with your expenses. You need to start with the necessary items first.
It is easy to create a budget for your personal finances, but it is not as easy to always stick with it. For that reason, it might take you a few months before the total you are actually spending matches up with the recommended amount from your budget. This is okay if you are not in debt because there is no rush. However, if you have creditors calling your home at all hours of the day, it might be within your best interest to meet with a debt relief counselor or to schedule and appointment with your financial advisor.