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Budgeting: The What, The Why
Figure Your Income
List Your Expenses
Track Your Spending
Making a Budget Work
List Your Expenses

List Your Expenses 
Spending Plan 

Some expenses are for needs. They may be fixed, like rent or insurance, or variable, like food and transportation.

Other expenses are for wants, like buying a new CD or concert tickets. While wants are important, and they’re often fun to have, you may have to limit or postpone them to pay for your needs. You’ll probably enjoy your wants even more knowing you can really afford them.

If you have a bank account, your monthly statements are also a good way to track how much you’re spending now.


 

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