A good budget helps you reach ... expenses into Kiplinger's exclusive worksheet below. You can add and delete rows as necessary to reflect your personal finances. Return and repeat as you track ...

“A budget helps you reach your financial goals because it gives you a full understanding of your spending and saving,” says Jim Wang, founder of the personal finance blog Best Wallet Hacks.

Aside from meals, you should also factor in personal care items and necessities ... That way, you can create your own monthly budget worksheet and get a sense of how much you'll spend each month ...