Step 3: Add it all up!
Now, add up all the income for the month, and write it in one column. Then add up each of the other categories, and write the totals in a second column. If your first column adds up to more than your second column, congratulations! You have made more money than you have spent this month! If your second column adds up to be more than the first, you have spent more than you made, much like the United States Federal Government.
Either way, you want to figure out how to get ahead so that the second column is smaller (or smaller yet) than the first.