What most naturally follows?

How to create a budget sheet
Understand how a budget works.
A budget is a plan for how you will and can spend your money. It helps you see where your money is going; can help you save for a vacation, car, college, or retirement; and can help you stay out of debt.
The bottom line of a budget is that your expenses be equal to or less than your income. Expenses (also called expenditures) are costs that you have: bills, loan payments, dry cleaning, food, clothes, and other needs.