DebtSteps.com has some easy to use worksheets in pdf that would be well worth the download. The 12 pages contain just about everything you need to complete a workable monthly budget including tracking credit card and other expenses. This money management planner would be a great tool for anyone, even if you aren't currently having debt problems.
Maintaining control of your finances and spending is vital if you wish to become debt free at any time in the future. This file gives you a chart of recommended income distribution for common bills such as housing, transportation, debts, and others.
If you're not tracking every penny you spend along with every penny you earn, you're really missing out on some insight into your own budget. I was acquainted with a fellow who used a pocket notepad to write down everything he spent - from a pack of gum to his mortgage payment. After just a couple of months he could see where to cut the fat from his budget, save some money, and head more quickly toward being debt free.
Some things are out of our control to an extent. For instance, while we can cut some costs on insurance and utilities, those things still must be paid. Finding ways to reduce them is advisable, though you may not want to cut them so low that you aren't protected or your life is miserable. Never running your air conditioner when it's 100 degrees outside is just foolish. You put yourself in danger of heat exhaustion or even heat stroke, and you can work inside to your full capability if you are swimming in sweat! Use common sense.
Becoming free from the 9 to 5 grind begins in your wallet!
