Budgeting Worksheet : Goals_Based _ Most budgeting programs don't accommodate for your financial goals, they simply look back at the previous month to help you determine your spend for the current month. That is not good budgeting. If you have a cash flow problem, then it will just perpetuate into future months and you won't even realize it's happening. Furthermore, you are not creating a plan to achieve your goals.
Budget Planning: Prepare the next month's budget seeing the current month's spending patterns. For this, download household budget template free from net and feed amounts spent in each category. Some templates have the feature of adding items and customizing other features. This type of templates work better than fixed templates as all household items of expenditure can't be same. On the basis of report prepared, see where there was unnecessary expenditure and how to curb it. If the meaningless expenditures continue over few months, you can determine a pattern and work towards controlling it. Moreover, on the basis of income and expenditure, the expense report template provides a fair idea on household budgets.