[Willie]

If you are constantly in debt and you find yourself at the end of the month with no money left over to save, I have a simple solution for you. You do not need the 100 ways to save book. You do not need the starting guide for money left over at the end of the month. I give it to you for free; create a budget.

To stay debt free, this is your first step. Follow these steps:

1) Find out how much money you make a month.

2) Find out how much you are spending.

3) Adjust to what you make in income by making changes by getting rid or changing things you cannot afford. Changing your spending habits and getting used to save.

4) Start seeing the money in your pocket at the end of the month.

What should be in your budget worksheet:

1) Income
a) Paycheck 1
b) Paycheck 2

2) Housing Expenses
a) Mortgage / Rent
b) Insurance
c) Taxes

3) Household Expenses
a) Car Gas / Maintance
b) Groceries
c) Clothes
d) Church
e) Dining out
f) School lunches
g) Entertainment
h) Haircuts / Care
i) Gifts
j) Newspapers / magazines
k) Pocket money
l) Allowances

4) Other Bills
a) Electric Bill
b) Car Payment
c) 2nd Car Payment
d) Mastercard
e) Visa
f) AMEX
g) Cable Internet
h) Car Insurance
i) Telephone
j) Health / Live Insurace

These are some of the most basic items that Americans spend on and consume. You will be amazed if you organize yourself with a budget, how much money will you start having available at the end of the month.

There are many websites in the internet that can provide you assistance with these worksheets. Also, programs such as Microsoft Excel, have templates that you can easily use to help you with these items for free.

Does anyone have any other ideas for budgeting and saving?