Stay out of debt. Save for the future. Plan your big purchases. Live within your means. All great ideas, but how do you do it in reality? After all, you have monthly expenses, semi and annual expenses, and unforeseen expenses along the way. How do you plan all of this within a fixed monthly income? The answer is the budget. In this video we will look at how to make and maintain a simple budget and plan for most of your expenses so that you can avoid those unpleasant financial surprises at the end of the month.