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Just remember that being self_employed means that you must also pay the self_employment tax, so include this in your calculations. The self_employment tax is double what you would pay in Medicare and Social Security taxes if you were employed.

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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