Remember, you do not want to spend hours and hours, sweating over this. Budgeting should not be like another 9-5 job. The quicker and easier this analysis process is, more you will be willing to go through with it.

** Summary - Write Down ALL Incomes and Expenditures **

Review Your List

Now that you have your list of incomes and expenditures, it is time to review what you have written. Look and see what bills/expenses can possibly be lowered. Do you notice any excessive spending areas? Any bills you know for sure that can be lowered?

This is where you might have to make some sacrifices. Is your dream of a brand new BMW worth giving up your restaurant outings three times a week? These are choices you are faced with when you must decide how you are going to reach your goal(s).

Start out small. There's no need to become a first-rate miser overnight. That's hard to do! Take things a step at a time. Implement one money saving strategy a week, or month. Remember though, you decide at how quickly you accomplish your goals.

** Summary - Review And Decide Where To "Cut-Back" **

Track Your Spending

In real world, you are faced with thousands of advertisements and gimmicks begging you to 'buy their product'.

Buy what you must, just keep in mind your budget.

In order for accurate records, track as much of your spending as possible. Simply save all receipts you get from your purchases.This is important because you need to tally everything to see how much money you saved at end of month.

** Summary - Keep Track Of The Money You Spend **

Compare Results & Modify

Now it's time to find out if all your hard work has paid off. Were you able to lower some bills? Finding out how much you saved is best part of budgeting. It's exciting! This is what makes whole budgeting process worthwhile.

Stick with your budget! Modify your spending habits to try and lower bills bit, by bit. You'll soon forget about whole budget idea, and just see it as a game, where you try and save as much money as possible month by month.

You can find more money saving articles to help lower your bills at: http://www.SavingSecrets.com/tips.html

** Summary - Compare and Make Necessary Changes For Increased Results **

Conclusion

The hardest part of whole budget process is starting one. Once you set your mind to implement a budget, and take time to formulate a written agenda, rest falls into place.

Budgeting requires some small sacrifices. Changes in lifestyle. Changes in spending habits. Be creative and have fun saving money off your bills. You are doing this for YOU, to accomplish your GOALS, so stick with your budget plan and your will be rewarded!

** Summary - Start YOUR Budget and Accomplish Your Goals! **