Why should I make a personal budget?

Personal budget means the ratio between how much you earn and how much you spend. It is good to put "on paper" how much you earn and, from this income, to understand exactly how much goes to food, how much to clothing, how much to rent or installments, etc.

It is possible to see that everything is fine. But you may also see that you spend too much on food. Or you spend too much on clothes and that's why you save with difficulty for trips. You can even see that all expenses are okay, but you simply would like more – for less good days, very good days, or big ambitions for the future. Or because you simply want more from life.