Budget Simple is an online resource for free household budget programs. The user creates a free account and has access to budget programs. Budget Pulse also has free household budget programs available for use.
There are a number of reasons why a household budget is important. It helps people understand what they spend over the course of a few months, which allows them to get a better handle on what they are able to spend. Not only does a budget incorporate fixed expenses, such as rent, mortgage, car payments and utility bills, but it also includes items bought on impulse. Creating a budget helps keep all spending under control. If a person's expenses exceed his income, a household budget helps him determine what he needs to cut in his spending and whether or not he needs to take on a job with a salary increase.
Another reason a budget is so important is that it allows for spending to be adjusted. If a person is finding that he does not have a lot of money left over at the end of the month, he needs to adjust his discretionary spending. A budget also helps a person add to his savings.