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.

It's easy to stress over with everything you need for a new baby. We've created a baby budget worksheet to help you save time and money.