To them, budgeting finances is simply laying out the money on the table, apportioning them in envelops, and labling each envelop with Bills, Rent, Amortization, Transportation, Food. But budgeting finances require a pen and a notebook. Input the incoming money and the outgoing money, find the difference, and voila, your personal budget right in front of your eyes. It states how much cash you have, your expenses and how much you need to earn. By planning on paper first, you will be able to lessen the risks associated with your business venture. A good budget can build morale by helping you organize, communicate and motivate employees to contribute their essential time and effort in achieving the company's financial goals. The key is to (1) find the persons who could offer the services you are looking for in the least amount there is in the market and (2) learn to apportion your money properly, or in other words, learn to budget. The first one is easy. All you have to do is scout, scout, scout: in the internet, thrift shops and local markets. Your fixed expenses such as rent, car insurance, mortgage and utility bills can be lessened a little, but for the most part it will stay the same. However, do not forget that a little of everything goes a long way, so try to lessen on these expenses as much as you can. Small savings will add up. If you can bring lunch from home, your savings will be about $5.00 a week. You can also deposit extra income that you get into a savings account or use it to pay off debt rather than go on a shopping spree. After all, it feels much better to go on a shopping spree when all your financial obligations are taken care of. Empty your loose change into a jar each night before going to bed. Advertising is so powerful these days that you may think of luxuriuos items as "needs" when in fact you dont actually need them. These deceiving commercials on TV greatly influence your purchasing and personal finance budgeting behavior. It is your job to make a wise decision whether each new product is something that you really need and cannot live without.