This helps you find areas where you can cut back on spending and increase your savings.” But getting into budgeting can be ...

Using pen and paper, envelopes and spreadsheets are ... Both Microsoft Excel and Google Sheets offer free budget templates to users. Free budget templates are also available on websites such ...

Decide how you will document your budget Whether you opt for a pen and paper budget, an excel spreadsheet one or an e-budget on a budgeting app, pick a style you're most comfortable with.