You don't have to allot every money that you have to pay off a debt. You only have to manage debt. Save at least ten percent (10%) from your income, regularly. 4. SAVE TO PAY DEBTS Since your program is debt management budgeting, you have to allot certain percentage from your income just to settle your debts. The budget is thereby easily reviewed, negotiated, modified and managed for approval and implementation. Budgeting software simplifies spread sheets so you know exactly how much you have money left to spend. With it, you will quickly understand the impact of your spending habit. It effectively helps you in every step you should make to improve your finances. There are a lot of souvenir shops around that can give you an inspiration for your own wedding giveaways. Buy one and buy the raw materials for its production from your local supermarkets or office supplies stores. This will help you maximize your wedding budget. For entertainment, you can ask friends who can belt out a Mariah Carey to sing for the night; an overly talkative officemate as the host. Whether you make thousands of dollars a year or even hundreds of thousands of dollars a year, a budget is the first and most important step you can take towards putting your money to work for you. Without good financial budgeting, you will be controlled by your impulsive spending and forever fall short of your financial goals. If you happen to take a moment to think about whether you should buy or not, then dont. This only means that you do not probably want to spend your money and save it for something of more importance. Keep these simple thoughts in mind. This way your household budget will be put to good use that will eventually increase your savings account as you move yourself towards a future of financial stability. Advertising is so powerful these days that you may think of luxuriuos items as "needs" when in fact you dont actually need them. These deceiving commercials on TV greatly influence your purchasing and personal finance budgeting behavior. It is your job to make a wise decision whether each new product is something that you really need and cannot live without.