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A Budget Is Simply a Plan to Control Resources and Expenses

The purpose of creating a budget is to meet needs and wants with available resources and to avoid spending more than you have.

Creating a Budget

Keep Track of Your Spending

Keep track of your spending

Use a spreadsheet to keep track of how much you spend a month. Make sure to include everything, even that morning stop for a cup of coffee.

Compare Your Monthly Expenses to Your Monthly Income

Compare Your Monthly Expenses to Your Monthly Income

If your monthly expenses exceed your monthly income, then you will need to find ways to reduce your expenses.

Create a Budget

Create a Budget

Form a spending plan by keeping in mind your short-term and long-term goals. You will need to differentiate between items that you want versus items that you need. By setting up your budget, you will be able to identify expenses that can be reduced.

Stick to Your Budget

Stick to Your Budget

Reevaluate your income, expenses and goals as you progress through life. Budgets will constantly change.

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