Living within a budget is one of the smartest things you can for your financial health - You want to be in control of your money not let your money control you!  But creating a budget can be a little overwhelming, and one of the best ways to start is to review your spending habits.  We recommend the Family Monthly Budget spreadsheet available on most versions of Microsoft Excel, which is designed to perform all of the calculations for you.  However, if you don't have access to a computer, don't fret.  Simply purchase a notebook and write down everything you spend over the next 30 days.  Everything!  If you buy a pack of gum -- write it down.  If you go to the movies -- write it down.  Being honest with yourself about what you spend is the keystone to a successful budget.