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Budgeting and saving money doesn't come naturally to many people, for obvious reasons: it's easy and tempting to spend money on non_essentials, even if your budget is tight. So how can you get on track with a realistic budget and save money? These strategies, taken together, have the very real potential to improve your financial situation.

List your expenses starting with the most important to the least important. Listing the expenses in order makes it easier to make cuts in your budget if needed. The most important should be things that cover your necessities. You will need to cover your housing, food, utilities (not including cable television), transportation costs, debt payments, and savings goals first. Then you will list luxury items which can include clothing, entertainment, eating out and gym memberships.

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