1. Basic Budgeting:

Here are some questions that need answering:

a. What portion of my available funds should be for essentials?

b. What are the essentials?

c. What portion of my available funds should be for

saving?

d. What portion of my available funds should be for non-

essentials?

e. What non-essentials are important to me?

f. What is an emergency fund and how much should it be?

2. Budgeting System:

Here are some questions:

a. How does Zero-Based Budgeting work?

b. What about expenses that aren't monthly? c. How does the Envelope System work?

d. How do I set up a Budget Spreadsheet?

e. What if my income varies through the year? f.

3. Savings:

Here are some questions:

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What budgeting system might work best for me and