The first thing that anyone who wants to make a budget must do is to compare their income versus their expenses.
The good news is that it is quite easy to do.
To get started you can download a free budgeting spreadsheet which will help you calculate how much you spend each month and compare it to your current income.
It’s too bad most of us never learned this in school and had to figure it out on our own – so here is the lesson that we should have learned in
