budgeting

The general budgetary advice is: don't buy.

Still, praxis is necessary to make improvements. This modest nebu spreadsheet helps track where the money goes and helps use it more effectively.

,Rent/Util,Grocery,Etc,Notes,,,
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Income,,,,,Expense,Savings,
XXXXX,b01:b30,c01:c30,d01:d30,e01:e30,b31:e31,a31:e31-,

The second, third, fourth, and (if you have a car, for example) fifth columns are used for expenses across different categories. The remaining columns can be used to write notes (what bill or extraneous item the expense was for).

The last row is used for totals. Hardcode your income in the first column, and the total expenses for each column are tallied. The sixth and seventh columns represent total expenses and unspent income.