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Begin by listing your income for the month. This should include any paychecks you receive, as well as income from other sources like child support or investments. If you have a business, you should include the amount that you pay yourself out of the business each month.

How to use your monthly budget worksheet. Below is a worksheet that attempts to list possible sources of monthly income as well as expenses. As everyone's financial situation is different, you may find that not every category is applicable to your income or spending. You may even find that some months are different than others, but you should find through going through this exercise you are better prepared for those changes and even accounting for unanticipated expenses.

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