Money helps us reach our goals. In fact, making money is the biggest reason why many people go to work. Think about everything you want to do or to have in your life. Then ask yourself how much of it could be done without money. Most of us are not rich and have to figure out what is important and what is not. You must be able to work and plan to make your money work for you your whole life.
A budget is when you figure out how much money you have plus what you take in, and then decide how much you can spend. This includes what you need (like rent and food), plus how much to spend on things you want (like clothes or fun) or pay off money you owe. Here are budget sheets to work on. You can click on each to print.