Budgeting is not an easy task, especially when you do not have enough money to budget in the very first place. A lot of families and individuals are actually facing a grave problem of how they will be able to make both ends meet, especially now when the prices of almost everything are skyrocketing. Good thing there are now plenty of tools that will be able to help you out in budgeting, a task that can be frustrating, depressing and tedious all at the same time.
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.