Microsoft Excel offers various personal budget templates to help you create monthly, annual, and event/item budgets.

Good budgeting templates, however ... and founder and CEO of Financial Wellness Strategies, suggests starting simple. "Look at your available income and write down your priorities, then work ...

Now, let's break down the process of making a budget into easy steps so that you can customize your very own financial plan. And be sure to check out the template below to help you get started.