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Step 6: Keep checking in. It’s important that you review your budget on a regular basis to be sure you are staying on track. Few elements of your budget are set in stone: You may get a raise, your expenses may increase or you may have reached your goal and want to plan for a new one. Whatever the reason, keep checking in with your budget following the steps above.

You might spend more on "wants" than you think. A threadbare minimum of warm clothing is a need. Anything beyond that, such as shopping for clothes at the mall rather than at a discount outlet, qualifies as a want. Yes, the rules are tricky, but if you think about it, they make sense.

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