Where does the money go? Do you know?
Keep track for a month to really see where the money does go – it just might surprise you! On day one, write down what you think you spend for each category, and then keep a daily log of what you actually spend. At the end of the month tally up what you actually spent. Are there any surprises? Remember to include any cash you get from the ATM or from your financial institution.
Table At https://web.archive.org/web/20130825204432/http://familymanagementcc.com/budget_analysis.htm
Add up your income for the month, add up your actual expenses for the month and subtract the expenses from your income. Do you have a positive cash flow?