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

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 ...