You don't have to start from scratch and create a budget spreadsheet manually ... budgeting worksheet worth checking out. You can add your income and expenses across a variety of categories ...

Add your income and expenses to ... Your variable costs. These are expenses that change every month, including groceries, gas costs, shopping, dining out, travel and entertainment.

Using pen and paper, envelopes and spreadsheets ... your expenses exceed your income, you'll need to determine what changes to make. You may be able to balance your budget by cutting out wants ...

"If your expected expenses are greater than your expected income, you will need to earn additional income, cut out some purchases ... expense tracking budgeting spreadsheet in Excel, follow ...