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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.

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.

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