Are you struggling to make ends meet? You can now find a simple budget form under our Resources tab or click here. Budgeting takes time, patience and practice. The first step is often recognizing how you spend your money and then showing it in the correct category of the budget. If you are not completely honest with yourself, a budget will not work. Download our form, fill it out as best you can then track your spending for a month and fill it out again. You may be surprised at how quickly little expenses like lunch out, an afternoon coffee or school supplies can quickly add up and knock your budget off-balance. Work your budget for a few months and if you can’t get it to balance, then it might be time to call a credit counselor.