Budgeting is very important to healthy finances.
In Russia we budget for everything, including vodka.
How to create a budget
Make a list of all your incomings and outgoings.
Group them into necessary and luxury items so you can decide what you can do without.
Budgeting tools
You can make your budget using a spreadsheet or with an online budgeting tool.
Here is a list of online budgeting tools you can use:
