Making a Budget:
No Advance Degree Required

You may think that making a budget requires an advance financial degree or a personal accountant. Not true! Believe me – it is not rocket science. I’ve worked this system for years and I definitely wouldn't consider myself a math wiz!

I’ve coached several of my friends on budgeting to get their lives on track, and they are all normal folks just like you and me. The point is – don’t be afraid of it. I’ll walk you through the steps, one at a time, and I promise to make it as painless as possible. And you’re going to feel great when you’ve accomplished it.

Before we get started, you’ll need to print out a worksheet to help you identify all of your expenses. If you’re single, you should use the Personal Budget Worksheet. You can download it here.

If you’re doing this work for you and your spouse, or for your family, the Household Budget Worksheet was designed for you. You can download it by clicking here.

Of course it’s fine if you prefer to just use a piece of paper or a notebook, or even enter the information about your expenses in a document on your computer. Whatever method works best for you. Just use the worksheet as a tool to jog your memory as you work through the next step of the process.

When you have your tools ready, click here to get started with Step 1: Identifying Your Expenses.

Step 1: Identifying Your Expenses
Step 2: Turning Oranges into Apples
Step 3: The Balancing Act

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