Your Budget Worksheet

Finally - Your Budget Worksheet

Make sure to save your worksheet if you created it on the computer or make copies of your budget if on paper. You will be using your budget worksheet over and over, as well as revising it as you need to.

You now have a budget to follow and to help you stay on track paying your bills as well as starting a savings plan(s).

Don't wait till payday to look at your budget, look at it several days before payday and again a day and/or two before payday. This is just to help remind you what has to be paid out of that paycheck.

If you don't look at your budget and go spending money money 1st, then you start to stress how am I going to pay my bills. We sometimes don't realize how easy it is to nickel and dime ourselves when we spend and how it all adds up. Spending $5 or $10 at a time doesn't seem like much but when you start to add them all up, it adds up quickly.

The day before payday, if you are paying your bills by check, look at your budget, write out your check(s) and have your payment(s) ready to mail on payday. Make sure you list them in your check register also, and don't forget to leave one line open in your check register for your paycheck deposit.

By writing your checks out the day before you are visually telling yourself that money is already spent. Next cross off your bills as you pay them on your budget worksheet. It feels good to see those bills crossed off your budget as paid.

I hope this helps you as it has helped me. I am a very visual person and need to see it on paper, it has more of an effect for me, and when I see bills being crossed off as paid it feels so good!!!

Take small steps.... if you get off track don't quit.....try again....eventually you will succeed!!!!

Let's go check out some different kinds of savings accounts to start......

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Start Small and Watch Your Savings Grow!