I print out several of these and put them in a folder to use as my budgeting folder! I use it all throughout the month to track spending and savings. All you need to do is decide on how much money you would like to budget for each category (based on your income and family size) and write in in next to the category! Then it creates an easy check-list to use each month. I definitely prefer to use cash for groceries, household items, and weekend spending in order to make sure I stay within my budget. Let me know if I can help!