You can add it to only getting only one soda from the vending machine once a day instead of two, the total savings for the week will increase as well. Multiplied to four weeks in a month, the total can already be big enough to pay a small utility bills at home. Home budgeting does not mean depriving yourself of the things that you enjoy, but cutting back a little will greatly help. ELIMINATE WASTE A new pair of shoes is considered a waste if you still own four workable sets of pumps. Expensive toys that you just display on the dusty corner, the set of paperbacks lined on the bookshelf but left untouched, dining out when you can cook at home, are all waste of money. Whenever you feel the impulse to shop and dine for your pleasure, why not try this little experiment: estimate the amount you'll possibly pay for giving in to your heart's desire, then set the money aside, put it in an envelop, seal it, and open it after six months. Personal budgeting would make crackers and a glass of milk do for a meal, depending on your level of determination. You budget enough money for your house, may it be a condominium unit or an apartment. What it is doesn t matter, what matters is how livable it is. Personal budgeting doesn t just focus on money. You may need things in life including food, water, shelter and clothing. Needs are those things that we cannot live without. Needs are also those that living without would case difficulties and distress. Knowing between needs and wants is essential since your perception will determine whether you spend your money on it or not. Budgeting software guarantees timely and accurate data manipulation, analysis and management of the budgeting process. Most budgeting software allows you to customize according to your budgeting needs. Templates are ready to be personalized to allow specific solutions to be developed. Budgeting software offers graphs and charts regarding how you are doing financially that are easy to understand. Past expenditures may serve as guide to but not to justify for future outlays. Traditional budgeting versus zero base budgeting This is actually a new technique of planning and decision-making. It ultimately reverses the working process of traditional budgeting. In making a zero base budget, you do not need to refer to the previous level of expenditure as basis of a new one.