题目内容：

    Successful budgeting is a key to good financial health and it really isn't hard. These steps will help create a realistic and successful budget:

List your expenses.

Make a list of your fixed expenses such as rent payments and insurance payments. Then make a list of your fluctuating (波动的) expenses, such as expenses for dining out, hobbies, and other expenses that don’t have a consistent payment. 1.

Separate your wants and needs.

2.This is especially important to successfully budgeting to pay off debts or save money toward a specific goal. Any place where you see you’re clearly wasting money, get rid of it.

Consider buying budgeting software.

Part of the reason you do this is, of course, for guidance in successful budgeting.3. Another part of it, though, is psychological. By investing (投资) in budgeting software, you mean business when it comes to your budget and saving goals.

4.

For the most successful budgeting possible, everyone in your family needs to know and understand the budget. It won’t do any good to create a budget if your husband or wife isn’t aware of it and continues to spend money in ways you haven’t planned for.5.They need to know that there are limits to how much money they can spend. So the earlier you get them started, the better.

A.Get your family on board.

B.Make sure your expectations are realistic.

C.This is not fundamental to successful budgeting.

D.And it’s never too early for kids to develop money skills.

E.Check those lists you have made for costs you can cut or avoid.

F.Review old bank statements to help you calculate approximate figures for these expenses.

G.It helps you understand the expenses categories and map out plans for successful budgeting.