If you have spent any time at all working at marketing on the web, you will have a long list of affiliate programs and membership sites that you have joined. You may also have a long list if websites that you run. Believe me, if you don‘t yet, you soon will. Other lists that you may have are search engines or article repositories that you work with. How many times have you had to search through your old emails trying to find your access code for one of those programs or websites? If you are like me, the answer is way too many times! Well, here is an easy solution. And it is one that probably came with your computer. Remember that free office suite that was advertised on the box? It probably had a spreadsheet as part of it. Now is the time to take it out and do a test drive.
Going over what you have spent over the last quarter will cover most if not all of your regular payments. However, it is important to think about whether you have any quarterly, annual, or new commitments that may not have shown up in your previous search. This part of the process in making your budget should give you a list that includes utilities (eg water, electricity, gas and telephone), insurance payments, mortgage and loan repayments, and credit card payments.