You need to know how to budget your money. The earlier you begin to learn, the easier it will be for you when you have more money, bills to pay, and more financial responsibility. A budget is simply a plan for how, when and where you are going to spend your money, including a list of what you need to pay. Why should you learn to make and use a budget? So you will have a plan to spend and save your money before you waste it and don’t know where it went.This book starts with the basics of making a budget, using practical examples and worksheets. When you make a plan for your money, you won’t have to fall back on Plan B: borrowing to pay for the things you need.