It is easy to create a budget for your personal finances, but it is not as easy to always stick with it. For that reason, it might take you a few months before the total you are actually spending matches up with the recommended amount from your budget. This is okay if you are not in debt because there is no rush. However, if you have creditors calling your home at all hours of the day, it might be within your best interest to meet with a debt relief counselor or to schedule and appointment with your financial advisor.
Now, you need to go ahead and total these items. You are on the right track if you spend less than you make. This gives you extra money each month. Now, if you are indebted to the credit card companies, you want to take this extra money and apply it towards paying off your total owed. If you are not in debt, you can go ahead and squeeze a few unnecessary purchases into your personal finances budget, but there are still benefits to saving the money.