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      A woman working on her budget
      Building a Budget

      Learn what you’re spending, how much you can spend, and how to make it all work.

      How To Create a Budget

      Creating a budget is a crucial first step if you want to save more money, spend less money, and reduce your debt. A budget provides a clear picture of how much money you are spending for bills, groceries, gas, childcare and other expenses. It helps you to plan, so you have more money coming in than going out. Do it in three easy steps!

      • Step 1: Track Your Daily Spending

        If you want to be in control of your money, you must know where your money goes. Track your spending for one to two months, with a spending diary. Download our Daily Spending Worksheet.

      • Step 2: Determine Your Income and Expenses

        Compare income and expenses to help you balance your budget. Use our downloadable Monthly Income and Expense Worksheet.

      • Step 3: Decrease Your Spending or Increase Your Income

        Do you have more coming in than going out? There are two ways to tackle that:

        • Cut your spending. (Our Ideas for Cutting Expenses offers tips.)
        • Increase your income, so that you can pay off your debt and afford your lifestyle.

      More About Budgeting

      • A young woman looking at her monthly budget

        6 Ways To Budget Successfully

        When you’re starting out, you need a budgeting system. How do you keep track of what you’re spending — and make sure you’re living within your means?   

      • Friends gathering to chat

        Money Myths and How To Tackle Them

        Many people put off their money goals until later. Achievement happens when you start now. Learn how.

      • A couple looking at their finances

        Make a Savings 101 Plan

        Develop this vital habit, so you’re not living paycheck to paycheck.

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