I think it is best to keep a monthly budget instead of an annual one. This is because things change monthly. You might need to spend extra money for a holiday party in November and December, and so forth. So we are going to make a monthly budget. However, what you need to do is first consider all of your yearly bills. These are bills that you pay once a year only.
Do you need to get out of debt and as quickly as possible? If you do not have any debt right now, would you like to ensure it stays that way? If so, you have a number of options. One of the easiest for you to implement requires nothing more than a few minutes of your time, the gathering of your bills, and a computer. If you keep reading on, I am going to show you how to make a spreadsheet that can help you keep your personal finances organized.