Most peoples idea of a budget is a very loose one. Not much discipline, a lot of borrowing form different accounts, or putting bills on credit cards, in order to keep all bill collectors happy. It doesn't have to be like that ever again. It will take some work, time, and self denial, but it works!

Zero based means, that each time you receive income, the amount is distributed to pay bills, savings, ect..., and when completed there is ZERO money left. Money can go into saving categories like clothing, car, food, or any other category that your specific needs call for. By doing this, you no longer live out of one big fund which never seems to have enough.

Seem constrictive? It may seem like that the first month, and will probably take about three months before things really start to flow, but soon you will actually feel like you got a raise. Next birthday, Superbowl party, emergency car repair, or impulse clothing purchase, will be easily dealt with. The money will be sitting there in its place, waiting for you to give it orders.

Check out these Budget Forms - They should make it easy to start.