The economy is struggling now and as a family we all need to monitor our spending. I have not always done so, but more and more I need to track where my money goes and find new and creative ways to use our family income for the things we need. Creating and tracking your budget is can be no more writing down your recurring expenses; however that is not enough to create a good and accurate budget. Using a budget calculator, we can not only calculate or recurring expenses, but as we all know there are emergencies and other incidental costs that come up from time to time. What most of us forget to do when we prepare our budget are “entertainment” expenses. Going to eat at a restaurant, going to a movie or amusement park are things we often forget to budget for. It’s important to capture all of our costs when preparing a budget and this includes, being prepared for emergencies and our entertainment costs.