How to draw up a budget
It is of no use to have goals without implementing them. To do that, you need a budget. In drawing up a budget, the following should be considered:  

Firstly, one should gather every bit of financial information on your finances (bank accounts, insurance premiums, utility bills, medical costs etc) to determine your present financial situation befor you are in a position to budget.

Secondly, one should make income projections. Be optimistic when you budget, but don't be unrealistic.

Categorize your expenses and write them down in a budget worksheet. It is important that nothing is left out. Your budget should be divided between fixed and variable expenses. Fixed expenses normally stay the same each month and are relatively essential. Included are items such as rent, mortgage bonds and medical funds. Variable expenses on the other hand may change from month to month. It may include: groceries, entertainment, a telephone account etc.

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