Monthly Budget

To save the most money on a budget, be willing to cook. Almost without exception, it costs less and is healthiest to prepare food yourself. If you work, try to make things ahead on the weekend so you can assemble meals faster later.

Of your 240 meals, you can break it down into portions of meat, vegetable, bread, sweet, and drink. So roughly you can assume your budget is going to have to cover 240 servings of each of your four categories. Add or subtract your own categories as you wish, of course.

One caveat about the monthly budget -- if you reduce it, you may see a significant drop in your adspend over the rest of the month. For example, if your monthly budget was $3100, and you dropped it to $2000 on the 16th of the month, for the rest of the month you would get only $30 a day in clicks. Why? Because as of the end of the 15th, you'd spent $1550. When you change your monthly budget to $2000, you have only $450 left in budget for the month, so for the remaining 15 days your daily spend is curtailed to $30 a day. To avoid this, change your monthly budget on the first day of the month.

Following this, you have food expenses which also includes the food you buy when you eat out. Another category of expenses is the entertainment category which involves going out to the movies, concerts and plays Cash Flow Template.