If you don't tell your money where to go someone else (or some store) will. Grab this free template of the budget I use every single month. I've used this structure for 3+ years and it is what has helped me stay on track and pay off $20,000+ of debt. Sure, there are a lot of budget-savvy apps out there, but I love the idea of keeping it old school and using a trusty excel file (or Google sheet.) This is the same template I inherited from the person that helped me learn how to manage my finances when I had hit rock bottom. I've tweaked it through the years to make it best for me. It's customizable to every income, lifestyle, and situation and is a sure fire way to make sure you stay on track.