Make a simple monthly money sheet

List your income and main costs in two columns.

Why it helps

A basic overview of money in and money out shows what is left each month. You do not need a complicated system to start.

How to do it

1. Write your usual monthly income.
2. List fixed costs such as rent and bills.
3. Subtract and note what remains for food, fun and savings.

Make it easier

List only your three largest costs.

Make it harder

Add a column for what you actually spent last month.