Budgeting is an important part of maintaining a stable lifestyle It ensures that you can meet the needs of you and your family. Below is an Excel spreadsheet that you can print and use with the following procedures for budgeting:

1) Determine the amount of earnings you make in one month and list it under the current month. This can also include money received through gifts or other means.

2.) Determine the total amount of earnings made in one year by adding the monthly totals (yellow) together.

3) Determine the amount of your earnings used to pay expenses and list each individual amount next to the selected expense.

4.) Determine the total amount of earnings made in one year by adding the monthly totals (yellow) together.

5.) Now subtract the the total expenses of each month from the total earnings of each month to determine how much of your earnings is left over per month.

6.) Add up the left over earnings from each month to determine how much money is left over in a year.

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.) Set a goal for yourself on how much money you need to earn or how much you need to start cutting back on some expenses.