In economic hard times, everyone feels the crunch on their wallets. It seems that living costs and fuel prices are skyrocketing, while salaries and wages still remain the same. This workbook is designed to help people manage their finances and cut costs. It serves as a tool to properly plan your day-to-day and week-to-week expenses. The other book by the same author, Save Money Checklist Worksheet Volume 1 & 2 is the second part of this financial management scheme to provide imaginative ideas to stop unnecessary waste, and save money in areas where we are often unaware of, and includes worksheets and calculation sheets to manage and track your savings strategy. In order to manage your finances, this book provides worksheets to both calculate your budget and to track expenses. The first step in managing your weekly/monthly expenses, and to hopefully save money is to plan properly and accurately. Without a detailed, organized record, the management of finances becomes obscure and is prone to overspending. This workbook is not only for those individual who want to avoid bounced checks, falling behind on mortgage payments, and wasting hundreds of dollars every month; but, it is also for those who would like to save money for other plans, such as vacations, weddings, and extra pocket money every month. A worksheet needs to be easy to use, and light enough to carry around. It also needs to be easily accessible, and provide extra space for notes and memos. This workbook provides lots of space to write on, and is developed to give you a ready-made budget and expense tracking tool at minimal cost. One does not need an expensive tool, unless that individual owns a business; and if it is just for personal expense management, a simple tool is always best. At the beginning of the workbook is a detailed calculation worksheet to determine one's budget, and at the end of the workbook is a calculation worksheet to figure out the balance between the budget and weekly/monthly expense totals. This will give you an idea whether you are achieving your budget, or you need to go back and identify in the records where you are overspending, and come up with a possible way to cut cost in that area. Everyone can do with a little extra pocket money every week. Rather than wasting money unnecessarily, it is time that you roll up your sleeves and do something to prevent money going down the drain. Only you can take that initiative by spending just a few seconds to track your expenses every day. Good luck on your path to saving money, and earning money without working for it