Look for recipes in the internet that will not only save you money but time in preparing meals. You can expand your menu by reading cookbooks, magazines and newspapers, and even by asking friends for their recipes. In budgeting for a week's meal, list all the things you need to buy and bring all the coupons. Reuse old things or send them to charities. Don't leave the lights on when no one is using it. Use both sides of papers. These simple things keep the expenditures down. Budgeting money also helps keep the planet clean and green. Coupons and sales are helpful in budgeting money. Read the weekly ads from your local stores and spot sales. Budgeting Tool The Easy Way to Keep Your Budget There's no getting around it: a budget is a requirement for good money management. There's no need to have a negative attitude about budgeting. Stop thinking about budgeting as a difficult task or a punishment for being an impulsive spender. And stop thinking about it as a financial diet. In this final aspect of controlling, differences from budget are noted, evaluated and explained because this helps the household or organization's ability to begin preventive or corrective actions. Managers of any home or organization are responsible for ensuring that the costs outlined in the budget are accurate. Your credit cards are no longer used for the sake of convenience, but because you don't have money. You are hiding the true cost of your purchases from your spouse. The amount of debt left unpaid increases overtime due to interest rates. To keep yourself and family from sleepless nights due to debts, start a debt management budgeting strategy with special interest on decreasing debts. Think of savings as part of expenditure; deduct it from your salary the way you do with utility bills, rent and other necessary expenses. Ten percent is automatically added to your savings account every pay day Budgeting and planning means never finding an excuse not to save. 3. Investing Make an investment plan - Savings are meant to keep us warm during stormy nights; and when used wisely, savings can help us achieve financial freedom before we actually retire.