Keeping ourselves away from temptation is the first step to effective finance budgeting and financial control. 2. ELIMINATE WASTE A new pair of shoes is considered a waste if you still own four workable sets of pumps. Expensive toys that you just display on the dusty corner, the set of paperbacks lined on the bookshelf but left untouched, dining out when you can cook at home, are all waste of money. Many banks are now offering free PC banking and free personal finance software. You simply dial into the bank's computer or use web-based banking services, and download the checks that have cleared your account, directly into your personal finance software. Then you indicate an expense category for each check. You should not submit yourself to living extravagantly. And in the case of personal budgeting, living extravagantly is certainly out of the question. Water is very essential in, not only your life, but also everyone s life. Without it, many basic things cannot be done. Personal budgeting could make some things possible even with a short supply of water. Twenty-five percent of your wedding budget must go to photography. After the sumptuous meals had been munched down, after the drinks had been gulped down, and after the dress had been worn and laundered, the only thing that will make the couple and the guests happy after all the partying have died down are the photos. Home payments and maintenance, utilities, auto maintenance and payments, insurance payments, child care and alimony, education, food, clothing, entertainment and travel are just few of the many things you spend your money on regularly. In today's expensive living, budgeting should be practiced to give you power to rapidly gain control over your complicated spending. Factors are given adjustments to arrive at the figures of current year's budget. On the other hand, zero base budgeting starts from scratch. Previous year prices are not used for any calculation. In zero based budgeting you are given a fixed period of time, the next quarter or year for example. You are asked make a justification on the proposed expenses during that time period solely on their rewards.