Are you spending more money than is coming in?

You wrote out your budget. How did it go? Is there more money coming in or going out? Or are you breaking even? If there is more money going out then it's time to take action. Time to cut spending until there is more money coming in. Try cutting out some extras on your cable or satellite tv. Perhaps you don't need that Starbucks fix every day, maybe every other day. The easiest place to cut back in on your grocery budget or eating out. The eating out thing is easy, STOP EATING OUT SO MUCH! There, problem solved. (We'll get more detailed later.) Right now take a look at the extras that are obvious that you could cut out with little to no effort.