You are at or perilously near the limit on each of your credit cards. You consistently charge more each month than you make in payments. You are working overtime to keep up with your credit card payments. You don't know how much you owe and really don't want to find out. You have received phone calls or letters about delinquent bill payments. It is a time-consuming, multi-layered, and complex process. But it doesn't have to be that way. Financial budgeting is essential to give you control over your financial life. You can simply begin to put some of your savings toward the goals you really want to achieve some time in the future. Such plans may include a family vacation to Disney World or the construction of a new deck for the house. Here are further budgeting tips that can prevent you from acting like you haven t eaten for decades, and grab almost everything you find edible from the grocery racks. You need to have in mind two things in choosing what to buy: the price and the nutrition content. Budgeting sure sounds like it s all about money, but it should never neglect your health. Getting Serious with Personal Finance Budgeting Have you ever noticed that no matter how much money you make in a month, there is never enough? You most likely know how much you earned last month, but do you know how much you spent? If you dont, you are not the only one who doesn't. According to survey, most people spend 10% more than they make! Quick Guide to Personal Budgeting What makes budgeting hard is the fact that you would also have to think of the welfare of the other people who are living with you, if in case there are others with you. If you live alone, then good for you because the only dillemma you have is budgeting for your personal needs. To better understand zero based budgeting, here's an example: Each department of an organization which uses zero based budgeting would have to justify its funding every year. That is, funding would have a base at zero. A division of that organization would have to show why its funding effectively aids the company towards its financial goals.