Step 1 : Track daily spending

Step 2 : Determine Income and Expenses

Step 3 : Find ways to decrease spending



In order to create a realistic working budget, you must first be aware of where your money goes . Tracking your daily spending can be done in a number of different  ways: record in a checkbook register, store in a spreadsheet, or load into a budgeting program.

You can use your daily spending tracker to see your spending trends over a period of time .The more diligently you are about tracking your spending the better picture you will have .


First , let’s track where you spent money this week.

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