Without a proper budget, any household expenditure and savings goes for a toss! No matter how much do you earn, keeping a track of expenditure and monthly savings is important for future considerations. Further, maintaining a budget by writing down all information and amounts manually consumes a lot of time. With this thought, software's are created to aid in maintaining properly laid out and detailed budget sheets. More often, these household budget templates are available on the internet for free.
A list of your income and expenses, no matter how complete, is not a spending plan, but is the information you need to create a spending plan. And, a paycheck_by_paycheck spending plan will help ensure the success of, or at least help prevent the failure of your budget.