There are many different philosophies on budgeting.

We like to keep it simple. Think about what it takes to live.

First, construct a realistic budget. This should take into account your monthly obligations for living day-to-day. It should include realistic expenses and be done over a twelve month period.

When you start with the fundamentals, you will begin to realize what you have to spend outside of just living.

We constructed the PDF file attached here for you to use and realize where you are today. It is a tool for you to realize where you are today.

This is step ONE. There are many others, but you must first understand where you are before you can ever imagine where you want to go.

Take the time to review the attached and please post comments/questions for insight.

Download Green Leaf Annual Budget Workbook (Excel file)