Want to know the basics of budgeting? Not sure where to begin? Budgeting 101 is the perfect guide to take you from not being sure of where to begin right through to a completed budget. A budget is simply the process of projecting future income and expenses over a certain period. Budgets can be viewed as a roadmap of one's patterns of spending as well as saving. If a person does not know and understands where their money is being spent, it is almost impossible to save properly. And to be honest, most Americans are not savers by any sense of the term because they tend to spend more than they earn. A sad but the fact. The key to avoiding the American spend- more-than-you-earn pitfall is to take the time and make a budget, so it is possible to know where one's hard-earned money goes during each period in the budget cycle. A well-developed budget can aid a person or family in planning expenditures, help ensure bills are paid promptly, help to save for an emergency fund or achieve larger goals such as a down payment on a house, a child's education, or retirement. Now it is clear that budgets are important for every household. Get Budgeting 101 now and start to budget your household.