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Just get it done and adjust for imperfections next month. Before moving on, make sure you have about minutes to work through this post and the budgeting process. Keep that in mind as you work through this process. What matters is what needs to be accomplished now in the coming month.

Income means every source of money you have coming into your household this month: Anywhere you receive money during the month, write it down in your income. Expenses fall into a lot of different categories. Before you start jotting down numbers, consider your financial lifestyle and the types of things you and your family spend money on each month.

Are there categories to add? Do that now before moving on to the next step. Some expenses are more important than others. Carve out money for groceries first and foremost. You have to survive, and to survive you have to eat. Make sure your family gets fed before anyone else gets paid. You gotta keep the lights on, the heat pumping, and the water running. Plus, the utility company will turn off your water and electric in a heartbeat.

Yes, it comes right behind the Utilities. Put gas in the car, and pay the monthly payment on the car loan.

This is not the time to be considering designer jeans, Gucci handbags, and frivolous trips to the mall. Some of these categories may be more complicated to tackle than others. But then, creating your first budget is just the beginning. Check out some of these posts that will move you down the road of becoming a budgeting wizard!

A budget is simply a plan for your money. If you want to drive from Phoenix to Chicago, you need a map. If you want to bake a birthday cake, you need a recipe. If you want to get rich, you need a budget. A budget is your financial road map. The great misconception about budgeting is that people think a budget is intended to cramp their style.

As if living on a budget means eating buttered bread for every meal. As if it means no restaurants, no date nights, and no vacations. A budget is not handcuffs for your money. A budget is a plan for your money! So if you want to pay off your debt, go on vacation to Hawaii, or plan for retirement, you need to start with a budget. But wait… I thought a budget was supposed to help me save money! A budget is a plan for every single penny you have. Some of your money each month is going to go towards bills.

Some will go towards debt. And hopefully more than a little will go towards savings. Over the past few years, friends and family have come to us because they need help with their own budgeting, and we hope we can do the same for you! Personal finances can be overwhelming, sometimes scary, and often intimidating.

If you hate spreadsheets, if numbers overwhelm you, then this is the place for you. We want to help break down the process of managing your finances in an easy to understand way. Expenses Expenses fall into a lot of different categories. That was a bit of a job… and a really long post.

So, ready to spend all your money this month? You know you need a budget, but you hate budgeting! So, are you ready to get started? What to Read Next:

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