Take your earnings minus your expenses to see where your money is going. And how much you have left at the end of the month in minutes. You can learn all you want about budgeting, but the essential thing is to discover a simple system to use. You MUST know how to budget your money to live a stress-free life. Budget templates are programs that assist you in managing your monthly earnings and expenses. They aid in tracking your money so that you can make the most of what you have. Many templates include 1) A place to note all your monthly earnings and expenses. 2) A way to calculate the difference between the income and expenses A budget template may be as basic or as complex as you want it to be. Check to see that it accomplishes the task and is suitable for you. If you're searching for something more substantial, one of the budget templates on this page would undoubtedly be a good start.