A simple spreadsheet is one way to help you create and monitor your income and expenses by following a budget. This one is based on being paid bi-weekly (every other week). After you download the template, you can change the headings to fit your needs and the amounts are there for example purposes only. You would enter your actual budget figures based on your own financial facts. It is meant to help you get started and give you an idea where you are overspending and a quick view to see where you need to cut back to make your budget work for you.