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Set Goals & Budget Budget Now that you have written down how you spend your money, analyzed your spending habits and focused on areas that surprised you, it's time for you to create your budget. Retrieve the Budgeting Worksheet that you completed earlier and apply all of the savings and spending tools and techniques that you just finished learning. Identify areas in which you can cut expenses. In the Budgeting Worksheet, go to the column next to your current spending and create a monthly spending budget for each item. Don't forget to add in payment to yourself, your savings and all of the cash management goals you identified on the previous page. If you haven't already, click on your Budgeting Worksheet to complete your budget. < PREVIOUS NEXT > #38599