DaveRamsey.com or Kiplinger or you can make your own. Include every category of spending that you can think of. Write down your fixed expenses, such as your rent and car payment, along with the expenses that vary from month to month, such as your electric bill or grocery bill. Also write down yearly obligations, including tax bills and holiday gift-giving expenses. Step 4 Using 90 percent of the money that you make, fill in the boxes on your budget worksheet. If you have any amount of money left over, you will use it to pay down your debt. If you find that you will have too much month at the end of the money, reevaluate your variable spending categories. For example, you may be able to cut your heating bill by planning to wear sweaters and turning down the heat. Another possibility is to cut your gasoline bill in half by carpooling or bicycling to work several days per week. Step 5 Save the 10 percent that is left over, suggests CNNMoney.com. Saving money now can help keep you out of debt later, as you can use your savings to fund extras such as vacations, eliminating the need to put them on credit. You can also use your savings as an emergency fund. This will help you avoid using a credit card to pay for an unanticipated dental bill or for a new hot water heater. Step 6 List your debts in order from smallest to largest. While making the