I also have a regular monthly budget template if you would like to print a copy of it filled in with sample categories.
If you think using a simple budget may not be enough then I recommend you take a look at my Yearly Household Budget. Whether it is through meal planning, using coupons, cutting back on dining out or anything else you are able to do to lower that category.
Once you get your finances under control you will be able to start to build your savings account. Water conservation is the most cost-effective and environmentally sound way to reduce our demand for water. To reduce the water bill install water-saving shower heads or low-flow fixtures in your home. To reduce the water bill capture tap water while you wait for the hot water to come through the pipes. To reduce the water bill be careful not to defrost frozen foods, wash dishes or peel vegetables with the water running.
To reduce the water bill water the lawn or garden only when necessary in the early morning or late evening and not during the heat of the day when evaporation is at its peak.
To reduce the water bill use the least amount of detergent possible when washing dishes or clothes by hand.
I received a lot of requests from readers asking if it could be blank since their financial situation did not fit into the typical categories listed on the worksheet.

It is an interactive excel spreadsheet that automatically calculates your totals and allows you to view where you are spending the majority of your income. Using a monthly budget will allow you to see how and where you need to change your spending habits. Frugal Fanatic is her place to share practical ways to save money, make money and tips for everyday life. We drink the same water that the dinosaurs did and future generations will drink that same water. This stretches our total water supply farther and by using less water it also puts less pressure on the sewage treatment facilities and uses less energy for water heating. If your water meter is moving even though all faucets are off, your house most likely has a leak somewhere. Even a one or two minute reduction can save up to approximately 150 gallons per month per person. Collect it in a sealed container and use it for watering house plants, washing the car or other uses for which non-potable water can suffice.
To reduce the water bill if you must water a lawn or plants, do so early morning or late evening no more than every three to five days. If you know of any others, then use them and share the information with your friends and family so that they too can reap the benefits of conserving water and money.
To make it as easy as possible for you I am sharing with you a blank monthly budget worksheet so that you can fill it out with your own expense categories.

I am definitely guilty of starting off great and then slowly getting forgetting about it and not holding myself accountable. Now you can fill it in with all of your categories that you have each month like gas, utilities, credit card debt, mortgage, etc. You need to learn where you are spending your money to figure out how you can cut down on those expenses. Find out how you can make money shopping online or how to start a blog to start earning cash from home now! That’s why it is our job to use water wisely and protect water supplies whenever and wherever possible. Add a few drops of food colouring to the tank and wait for about fifteen minutes without flushing.
But, in order to learn new spending habits and cutback you have to see your income and expenses.
If we each save a small amount of water each day, our combined savings will add up to millions of gallons each year.

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