You most likely know how much you earned last month, but do you know how much you spent? If you dont, you are not the only one who doesn't. According to survey, most people spend 10% more than they make! Why is it hard to track spending? It is difficult for people to track their spending and whether it is wise or not because they cannot decifer between needs and wants. Your business opportunities improve with the use of budget, a powerful tool, which can assist you in achieving your financial goals. A well-designed budget helps you. It is a much-needed forecast of all sources and cash expenditures for any business venture. There is a need to create a budget to greatly enhance your chances of success by helping you estimate future needs and plan profits, spending and overall cash flow. PHOTOGRAPHY Yes. It's not wedding invitation, it's not entertainment, it's not souvenirs. Twenty-five percent of your wedding budget must go to photography. After the sumptuous meals had been munched down, after the drinks had been gulped down, and after the dress had been worn and laundered, the only thing that will make the couple and the guests happy after all the partying have died down are the photos. The reason for having a budget is not to cause problems, but to rather to help you see where your hard-earned money is going, and where you can cut corners without having to feel cheated, restrained and uncomfortable about it. One of the very first things you can start doing is to have a habit of writing down every penny you are spending daily. - Do I need my money for something else more important? - Will this item go on sale? If you happen to take a moment to think about whether you should buy or not, then dont. This only means that you do not probably want to spend your money and save it for something of more importance. Keep these simple thoughts in mind. Before you leave the house think about the route you will be taking so you can use short cuts, avoid traffic jams and do important things along the way (like pay the bills, etc.). It saves gas and time. Check your user's manual for the car's necessary maintenance. Regular tune ups and oil changes will help prevent costly damages to your car in the future.