Most people are weary of budgeting due to the wrong perception that budgeting would mean having to stop spending on non essentials and concentrating only on essentials. This of course is furthest from the true as budgeting really allows the individual to properly manage his or her account so that a comfortable living can be carved out. The budget exercise allows every individual with an income and expenses portfolio to make decisions about how they can best allocate the income to serve the expenses and yet leave some for the future, which may include a suitable retirement plan, a healthy savings plan or just about anything that won’t break the bank. Budgeting helps to create a very visible short term expense scenario, which would include the payments of monthly bills and commitments. In this book, you will learn about: Budgeting basics How to create a budget How to have budgeting success Using a budget worksheet many other useful things!