Thirdly, you can start use a spreadsheet program to schedule your time or organise all kinds of stuffs. You can use it to un-clutter you life by having different checklist on spreadsheets. After you learn the basics of spreadsheet programs, you can come up with more creative ways to use it in your daily life. You can even use a spreadsheet program to assist your weight loss plan. Use it to record your daily food intakes and you weight.
A good starting point in your quest to make a home budget, is to take stock of your current and recent situation, and list out all your monthly outgoings. If you only do this from memory, there is a chance you will miss one or more important items. You probably have several sources of information on what those regular outgoings are, and whether they are easy to find depends on how well organised you are with your paperwork. It is worth checking back over at least three months bank and credit card statements, and jot down what your regular payments are out of those. At the same time, you can also make a note of items of expenditure that may recur later on.