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You will need to track your spending and stop when you have reached the limit in each category. This is when you start budgeting. If you do not stick to your categories, then you will not stick to your budget. If you end up spending more in one category than you had planned, you can transfer money into that category to cover it from another category. For example, you budgeted Ūꯠ for food for one month and you ended up spending 趚, then you can move โ from your entertainment category to cover it. In order to do this you will need to check on your spending every day to see how much you have left.

To account for those expenses (like car insurance) in your monthly budget, simply calculate the total expense for the calendar year and divide that by 12 in order to find the "monthly" expense. Write that number in the appropriate row and column. How to complete your monthly budget worksheet? To begin, we suggest gathering all relevant financial statements like your pay stubs, credit card bills, and any other information that will inform the best and most accurate estimate of your expected income and spending.

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