What makes you happy?
This question will help you plan your life and choose where you will spend your money.
Does having lots of stuff make you happy, does helping the enviroment make you happy?
These things will allow you to priorietise where you need to spend, want to spend and the things you would like to spend on if you had the spare cash.
This is the start of your budget.
Dont forget to always put away for an emergency. I think this is were all budgets come undone. If you an afford to only put away $10.00 a week it will still add up and if the car blows up or the hot water system fails there is some money to help pay that bill.
This is the start of being self sufficient, get your money undercontrol, pay your debts and take control of your life.
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