Finances are always on everyone’s mind. We have songs about how little money we make and how nice it would be to be rich like “those other guys” -whoever they are. We complain about the vacations we can’t take because of lack of funds, or the home repairs we’d do if we just had more ready cash. We long for cars we can’t afford. It just never seems we have enough to live comfortably. Most people feel that their income does not meet their basic needs.

There are exceptions, of course, but for many the problem can be the lack of a workable budget. So how do you make a budget? How do you stick to it once made? To be workable, your finances should be as realistic and tailor-made to your situation as possible. Don’t spend or even plan to spend that big commission you hope you’ll get, but have not yet received. Look at your actual level of cash input compared with your outflow and use this information to decide what expenses take the biggest percent of your money, then plan accordingly.

It can be hard, but a basic finance lessons that many Americans have not seemed to master is to put the “have to’s” before the “want to’s.” It takes some time, but practicing this self-restraint will get your finances in much better shape. It is not as fun to pay the mortgage, the plumber and the car payment before you go to the movies, a restaurant or buy season tickets for your favorite basketball team, but you will sleep better at night knowing the wolves are not at the door.

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Another necessity is to budget for the unexpected. As you put a little aside each paycheck, this emergency fund will grow. It gives you 3 benefits to have this money in an untouched account. You will develop the habit of saving. You will have a cushion for that unforeseen car crash or hospitalized illness, or what have you. Best of all, you will have peace of mind, and you can’t beat that.