Having a budget is an absolute necessity for anyone who earns money and has financial responsibilities. Budgeting ensures that you cover all of your expenses, and lets you know if you are earning enough, or the flip side, if your expenses are to high.

Budgeting is a responsible activity and if used correctly can help you to save money for emergencies or big purchases.

Here is a link to a budget template from Mint.com Budget Template

Short term loans from PaydayHelp.ca can be an effective form of financing to plan for short falls in your budget.