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

But there are free online templates and spreadsheets ... Bundrick, CFP® Hal is a former NerdWallet personal finance writer. He is a certified financial planner and former financial advisor.

Add your income and expenses to this monthly budget planner ... such as seeking expert financial advice or resources that can help you pay bills. Lauren is a personal finance writer at NerdWallet.