http://www.youtube.com/watch?v=8ncehiOarEY
When creating a budget, whether you use our online budgeting software, or a simple ledger. It is important to know what your income to expense ration is. A general rule of thumb is to stay within an 85% expense to income ratio. Of course the more you save, the better off you will be. Budgeting will help you account for every dollar made and spent.