NEED A FREE BUDGET?

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Here are twelve good reasons:
A budget is a guide that tells you whether you are going in the direction you want to be headed in financially. You may have goals and dreams but if you do not set up guidelines for reaching them and you do not measure your progress, you may end up going so far in the wrong direction you can never make it back. The end result is bankruptcy.

1. A budget lets you control your money instead of your money controlling you.
2. A budget will tell you if you're living within your means. Before the widespread use of credit cards, you could tell if you were living within your means because you had money left over after paying all your bills. The use of credit cards has made this much less obvious.  Many people don't realize they're living far beyond their means until they're knee deep in debt.
3. A budget can help you meet your savings goals. It includes a mechanism for setting aside money for savings and investments.
4. Following a realistic budget frees up spare cash so you can use your money on the things that really matter to you instead of frittering it away on things you don't even remember buying.
5. A budget helps your entire family focus on common goals.
6. A budget helps you prepare for emergencies or large or unanticipated expenses that might otherwise knock you for a loop financially.
7. A budget can improve your marriage.
8. A good budget is not just a spending plan; it is a communication tool. Done right, a budget can bring the two of you closer together as you identify and work towards common goals and reduce arguments about money. That has to be good for your sex life!
9. A budget reveals areas where you are spending too much money so you can refocus on your most important goals.
10. A budget can keep you out of debt or help you get out of debt.
11. A budget actually creates extra money for you to use on things that matter to you.
12. A budget helps you sleep better at night because you don't lie awake worrying about how you're going to make ends meet.

Tips:

Do not try to fit your expenses into somebody else's budget categories.

Tailor the categories to fit your own situation.

Make your categories detailed enough to provide useful information, but not so detailed that you become bogged down in trivial details.

Think of your budget as a tool to help you get out of debt and save money, not as a financial diet.