Do you always run out of cash on the last week of the month? There is no need to feel so depressed since this problem also happens to many people. The imbalance between income and expenses is the main factor of this situation. You are too tempted to spend much after receiving the paycheck and may consider living humbly at the end of the month. Is not it going to be much better if you do otherwise?
Personal Budget plan is something you should have. The running out of cash is not a good thing. It may bother you, especially when you need additional funds quickly. With the plan, you can simply arrange the amount of going to get and spend funds. You just need two tables where you can record the income and expenses within a month. Do not forget to make special columns for budget and see how well you commit to this. After filling the table for one month, you can try to take a look at the difference among of budget, income and expenses columns. Make the evaluation and conclusion. Do you find the clues why you only have small funds left at the end of the month?
This personal budget spreadsheet is aimed to ease you controlling the money flow from your monthly income. Usually, it won’t be easy in the beginning to follow your budget plan, but later on, when you get accustomed to it, you will see why it is important to make a budget.