When I first decided to start budgeting before the birth of our first child, I didn’t know where to start. I didn’t know how much money we spent, and I am ashamed to say that I also did not know exactly how much money we had at our disposal each month after taxes and retirement contributions. Needless to say, I was paralyzed by the thought of analyzing everything! What I did know was that a proper budget worksheet could help our situation.   Determining Monthly Expense Categories & Creating a Basic Household Expenses Worksheet  Because I was used to using Microsoft Keep Reading