Use this budget worksheet to help keep track of where your money is going and how much discretionary income you have each month.
Take control of your budget by printing your budget worksheet or saving it to your computer.
Based on your discretionary income, you should consider these tips:
If you have a positive discretionary income, consider ways to invest your money to maximize your money’s growth. Take a look a my lessons on the Basics of Investing and Retirement Planning.
If you have a negative discretionary income, take a look at your expenses and try to minimize your expenditures as much as possible. Check out my lesson on Savings and Budgeting to learn the basics of starting a healthy budget.