How To Make A Budget
Make a list of everything you spend for a couple of weeks.
For the same time period, record everything you earn and its source
Now that you have recorded, analyze it
Overall I feel I make good financial decisions
It is good idea to have a little extra for hard times
It is a good idea to have a little money saved just in case hard times come.
Monitoring Your Spending
I would just by the things I know I would need.