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Every financial plan starts with a solid budget. It doesn't matter if you live check to check or make six figures, you need to know where your money is going in order to maintain your financial health positively. People hear budget and see hand cuffs and restraints but in fact a budget can provide real financial freedom and even reduce stress. Knowing how much money you have and where it goes can easily be achieved with establishing a budget and sticking to it.

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First, you want to establish where you're currently at, your debt to income ratio. As most of us are paid on a weekly or bi-monthly basis, this is best identified by a monthly breakdown versus an annual assessment. Start with your income.

How much money are you bringing in each month? You want to evaluate the net amount not the gross. The net amount is the amount received after taxes, social security, and any other deductions you may be incurring. An easy way to remember gross versus net: Its -gross- how much gets taken out of your check each pay period. You -net- what you take home, like what you've caught in a net. I like the gross taxes one myself, lol. Now, if you share household expenses with a spouse or roommate, etc you'll want to account for their wages/contributions as well to properly coincide with your expenses.

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Once you've established how much money you're bringing in you'll then need to know how much money you're paying out each month. Start a list, beginning with the necessities: mortgage, rent, car note, insurance, medical, and any other bills you're required to pay each month at a standard rate. Then, start accounting for the expenses that are every month, but the amounts vary. These would include things like gasoline, utilities, food, etc. Estimate an average monthly amount on these based on previous months and old statements and receipts. Ok, so you now have accounted for your living expenses that are required to survive. You'll now want to assess what other expenses you incur every month in your day to day dealings.