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Finally, do it again. After you have completed your first month of budgeting, it will be easier to plan for the next month. At the end of the month look at how you spent and make adjustments for categories in which you spent more than you planned, and cut back on the categories that had additional funds in them.

You've completed the budget worksheet, what now? Should you find that at the end of the month that you are consistently spending more than you are bringing in, it might be time to take a closer look at where you're spending your money and adjust those areas you can to make up the difference. Should you find, on the other hand, that you consistently have money left over every month, you now have the opportunity to decide what to do with that extra cash. Do you need to build up an emergency or "rainy day" fund? Could you be contributing more to your ​retirement savings? Could you pay certain loans off faster? Or perhaps you would like to save up for a special or large purchase.

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