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There are at least two ways.

For example, if you work and have a regular income:

  • Start with the maximum amount of money available in a period, then list the expenses that must be paid during the same period. Include savings and charity.

If you have an irregular income, or if you have unlimited access to funds:

  • List your fixed expenses and your variable expenses and calculate how much you need during a period.
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14y ago
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10y ago

A variety of software can be used to create a budget including:

Simple text editors, Calculators, Databases, Spreadsheets, Reporting Tools, Operating Systems.

Examples:

Simple Text Editors: Notepad,

Databases: MySQL, MSSQL

Spreadsheet: Excel, Open Office Calc

Reporting: Crystal Reports, Cognos

Combined programs: Quicken, Home Budget, Personal Budget

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