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Need help bringing your own finances under control? If you constantly wonder what is happening to your paycheck, coming up with a budget may eliminate some of the guesswork.
Developing a budget means you have to know exactly how much money you have coming in each month and how much you re paying out toward bills and other expenses. Although this task takes some time and effort, the result may be better control of your finances.
Here s a five-step process to create a budget for the future:
1. Examine your past.
Start by looking back through your check registers for the last year. Make a list of all the places your money went mortgage or rent, utilities, phone, cable TV, food, insurance, taxes, entertainment, car and home repairs, and so on. You ll also want to track how you spent any cash withdrawals. Take a look at your credit card purchases and itemize them as well. Are there any surprises here, places where you spent considera ....

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