It is a much-needed forecast of all sources and cash expenditures for any business venture. There is a need to create a budget to greatly enhance your chances of success by helping you estimate future needs and plan profits, spending and overall cash flow. A business budget allows you to perceive problems before they occur and alter your plans to prevent those problems. You can even create one of your own to lessen the cost. 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. Empty your loose change into a jar each night before going to bed. After a short period of time, enough will be accumulated that you can deposit into your savings account. Another problem that goes against your household budgeting is that most consumers overspend because they buy things on impulse. The next time you are tempted into making an impulse buy, ask yourself the following questions: - Should I spend my hard earned money on this? If your start up investment is just about $1000, invest it in treasury bills to gain steady returns, or in a time deposit even for five years time only. Careful budgeting and planning will help you determine which is right for you. There are many forms of investments out there. To avoid great loses in investment, refrain from investing in businesses or the stock market if you don't have a financial analyst. Write in a separate sheet all your debts, recurring expenses and future expenses (such as yearly fee for life insurance or health card). Writing everything down will help you see when you spend the most and for what purpose, and how much you must raise for future expenditures. 4. DECREASE DEBTS ONE AT A TIME The amount of debt left unpaid increases overtime due to interest rates. Your fixed expenses such as rent, car insurance, mortgage and utility bills can be lessened a little, but for the most part it will stay the same. However, do not forget that a little of everything goes a long way, so try to lessen on these expenses as much as you can. Small savings will add up. If you can bring lunch from home, your savings will be about $5.00 a week.