To get started, type the month in question in large print at the top. Next, you need to type (also in large font) how much money you make each month. So, if this is a four week month, you want to take your weekly paycheck and add it four times. Next, you need to go through and create a column with your expenses. You need to start with the necessary items first.
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.