How much debt do you have? Do you have a plan to pay it off? If you completed the Expense Template then you should know how much debt you have.
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How To Create A Budget
Budget. Some people despise the thought of setting up a budget so much, that they don't even want to to hear the word budget. I think it's because the word budget sounds restricting and it has a history of being used in a negative light. For example, your parent loses their job so now your family is on a budget or your employer is having budget cuts so now they are having layoffs. I have also heard someone say a budget tells you how to spend YOUR money but who wants to be told what to do with their money?