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When it comes to getting your finances in order, it all starts with a budget. If you're trying to save some dough, it's vital you have a budget and stick to it. A budget highlights where your money is going, what t's being spent on, on how you can cut down.

Set aside one night to clear the dining table and sit down with all your bank statements, pay slips, and major bills. Then it's just a matter of jotting down everything you spend money on. Including the morning coffee, the packs of gum. Everything.

Use the Kochie Budget Template to fill in your income, expenses, and find out where your money's going and how much you should have to put towards savings.

Download the Excel version here and get started!

Just fill in the spaces and your household budget will be ready.

Check out this previous post for more tips on putting together a household budget .