The most common budgeting method used is a blank piece of paper. We've all tried it at one time or another. Income is listed on one side, expenses on the other. The idea is to balance income against expenses so that, hopefully, there is still some money left at the end of the month.
Budgeting Worksheet: Pay_off Debt _ Not surprisingly, most people want to budget to pay_off their debt. Try to find a budgeting worksheet that actually helps you do that! A really good budgeting worksheet should have some capability to organize those debts and give you some options on how to pay them off as quickly as possible. The worksheets themselves can't pay_off the debt, you still need to do that part! But the worksheet should allow you to shift money around on paper (computer screen) so that you can see the financial impact on your budget. Giving up a small amount of spending in your discretionary categories and applying some of that money to your debt load will dramatically improve your financial situation. Before you know it, you'll be able to apply that extra money to your new goals _ without going into debt!