You don't have to start from scratch and create a budget spreadsheet manually ... suggests starting simple. "Look at your available income and write down your priorities, then work from there ...

Work out a proposed household budget by inputting your sources of income and projected expenses into Kiplinger's exclusive worksheet below ... savings account, this simple calculator can show ...

If you struggle with money — or you have a specific goal to save money going into the new year — following a budget can help ...