Two spreadsheets are readily available. They may also be printed and distributed as a means to provide records or documentation. Excel spreadsheets and Access Programs let you customize the manner your information is recorded. Having recorded your earnings and spending, you can begin to observe where you've got cash left over or where you can cut back so you have cash to put toward your own aims. Obviously, if it's true that you opt to spend less, you can use the additional money to the other components of your budget instead. You could be surprised at how much additional money you accumulate by creating one minor adjustment at a minute.