►Bankrate.com: Search “free household budgeting worksheet” on this site to get a template with categories you create. Fill in the amounts, when the bills are due and how often you get paid and the calculator does the math.
►Excel: You most likely have this program on your computer but may not have ever used the Monthly Home Budget tool. Go to “Project Gallery” under “File.” Click on “Home Essentials,” then “Finance Tools” to find it.
►Pearbudget.com: Try this program if you prefer to track your outlays without putting your bank information online and don’t mind inputting your receipts. It’s free for 30 days, then $3 a month.