How to Set up a Household Budget

Use this worksheet to get on top of your monthly living costs by projecting expenditures in various categories, and then comparing those projections to what you actually spend.
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Adhering to a household budget is an excellent habit to develop. It will help you to spend less, save more, and avoid problems making payments or paying excessive interest payments on credit cards. In order to create a household budget you...
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With all the demands of running a family, it's hard to find time to make a household budget -- especially if the amount of money left at the end of the month is less than you want. It's important to look household finances squarely in the eye, because that's the only way to control them; otherwise, they control you. Budget creation takes time, so set aside at least a few hours. It's better to wait for a day when you don't have pressing obligations than to cobble together a plan that doesn't work. Start with a goal. Maybe it's paying off debt, or perhaps it's a college fund.
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A budget helps you plan for expenses and know where your money is going. This post shows you how to set up a budget step by step.

Updated for 2015, here are my favorite free household or personal budgeting spreadsheets...
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Be honest: Which of these activities sounds more enjoyable?A) Setting up a personal or family budget.B) Removing a rodent infestation from your attic.C) Getting a root canal.OK, OK, building a budget might not be that bad – but many of us are still loath to do it.