Most people are lucky to have anything left over at the end of the month after all the bills are paid. When someone tries to lose weight, the more they track what they are eating and how much they exercise, they better they do. The same goes for keeping a budget because it is very easy to eat something unconsciously as spending money unconsciously as well. Think of savings as part of expenditure; deduct it from your salary the way you do with utility bills, rent and other necessary expenses. Ten percent is automatically added to your savings account every pay day Budgeting and planning means never finding an excuse not to save. 3. Investing Make an investment plan - Savings are meant to keep us warm during stormy nights; and when used wisely, savings can help us achieve financial freedom before we actually retire. All you have to do is scout, scout, scout: in the internet, thrift shops and local markets. The challenge lies on the second. Wedding budgeting is tricky. Wedding budgeting is not all about finding the cheapest supplies. It starts with dividing your money in percentages and putting them in their right places. You can find everything you expect in a budgeting tool including retirement planning, estate planning, capital needs analysis, budgeting, what-if scenarios, disability needs analysis, education needs analysis, cash flow and tax planning, balance sheets, among others. These systems help you to easily create and manage payments so you will never have to worry about another late fee, postage or licking stamps. The amount of debt left unpaid increases overtime due to interest rates. To keep yourself and family from sleepless nights due to debts, start a debt management budgeting strategy with special interest on decreasing debts. 1. CUT ALL CREDIT CARDS It is best if you don't use credit cards, or even own one. Reuse old things or send them to charities. Don't leave the lights on when no one is using it. Use both sides of papers. These simple things keep the expenditures down. Budgeting money also helps keep the planet clean and green. Coupons and sales are helpful in budgeting money. Read the weekly ads from your local stores and spot sales.