To start, list all your expenses in one column for the entire month. Include all of your basic expenses, such as rent or mortgage payments, auto insurance, utilities, groceries and so on. Be sure to include all expenditures that you think you will make. Add up your anticipated monthly expenses, and make sure you don't spend more than what you have left after paying them.

You should consider doing work from home in order to save some money. With today's high gas prices, commuting to work can cost a lot of money. You have to pay for things like parking, gas and meals which can make you spend quite a bit of your check for no reason.
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