Everyone should create a budget. If you are not sure how or just not good with money, many businesses such as H&R Block, offer free financial consulting to help you put a budget together.
Knowing where you are spending your money is by far the best way to save. In most cases, people have no idea where their money is really going and once they see it on paper, not only are
they surprised but also eager to change their spending habits.
If you are wondering where to start go to Google and search for budgeting tips and you will find plenty of free advice including spread sheets.
Another great place is to try your banks web site and go to the loan application area and they should have some free budget sheets as well.
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