Before you make a financial budget, make a list of income where the money come from, how many and where will save it.

- Collect all financial information, including  newspapers print from the bank, investment records, and all information about income. The more you detail and keep  record income sources, will be easier to make the financial budget

- Write down all your sources of financial income. Whether it’s the job as permanent employees, part time jobs or just based on the hobby jobs.

- Make a note every month until the end of the year later, you know the amount of income and expenditure. Included in all payments, such as electricity bills, telephone, insurance,  entertainment, social funds, children’s pocket money, school fees of children, and all the things you do in relation to expenditure

- Make two lists: certain expenses and uncertain expenses. Certain expenses contain expenditure that you  should pay each month. Meanwhile, uncertain expenses is  expenditure that comes at a time or spontaneity, such as donations, funds for entertainment, and funds for eating outside the home.

- Amount all your income and expenses every month. If the amount of income bigger than expenses, then you include people who have good financial management. This means you can still save a little money for pension funds. Conversely, if the total expenditure is bigger than income, you need to change lifestyles.