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.
Instead of listing the items on a paper list the items can be just as easily listed on a spreadsheet which will add up the items as required without the requirement to double check the adding up is accurate. Such a list has a history in accounting term as a sales day book and a purchase day book. To achieve the required analysis of sales and purchases all that is required is to write into the top of each of the spreadsheet columns the titles of the analysis headings required. Then repeat the value of each transaction in the total column into the analysis columns. Use the spreadsheet technology to add up each column and you have an effective bookkeeping spreadsheet. Preparing such a bookkeeping spreadsheet might and often does suffice the needs of the smallest business enterprise and is a close step towards achieving a valuable tool for this purpose, bookkeeping software. Bookkeeping software can be as simple as a home produced spreadsheet but with additional facets that can have significant financial benefits to the business.