When I think of a budget it seems overwhelming. Where do I start?

January 01, 2014

You can start by developing a budget from today forward. It's hard to go back in time and figure out where your money went, so just start by tracking where you spend your money for this next month. You can use our monthly budget worksheet to show you how. You'll need to know how much you spend on food, gas, clothes and how much you are saving. If you don't know this, our budget worksheet can help you figure out these expenses so you can begin to develop your monthly budget.

At the end of the month you can then sit down and see where your money went. Then you are able to focus on where you want to be spending your money and even more importantly, where you want to be saving. It is easy, just print out our budget worksheet found on our website and take 15 minutes every day to write down where you spend; don't try to do your entire budget all at once. From here, you can develop a budget for what you will spend and save for in the next year.

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