But, if I can put down on paper, how much I’m bringing in and what my bills are, I can take that ‘extra’ money and either apply it on another bill or put it into savings.
Check out this free printable monthly family budget sheet. Print out one for each month and start saving money.
Using this will make you aware of where you are spending your money and help you see where adjustments need to be made on where you are over spending or under estimating.
Where do you find you are overspending?