Produced by Mariah Jennings-Rampsi, South Coastal Counties Legal Services, with funding from American College of Bankruptcy
Reviewed September 2019

Create a budget that lists your income and expenses now.

After you know where your money is going now, create a new budget. First, figure out the things you must spend money on. For example:

  • your rent or mortgage,
  • health care costs,
  • heat/utilities, and
  • money for food.

See Which debts should I pay first? If you have money left over, decide how much you want to save and how much you want to spend on non-essential items.

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