Stop scratching your head at the end of every month, wondering where all your money went.

You need a plan that ensures your hard-earned dollars are being spent on what you value most, and that you're saving at least a little toward future goals, whether it's a trip to Cancun or a house in the 'burbs.

A budget empowers you to take control of your financial life and creating one is easier and more enjoyable than you might think -- especially if you follow our advice and let your computer do most of the work.

The first thing you'll see is how much of your income:

• Gets gobbled up by unavoidable expenses like rent, utilities and student loans.
• Goes to discretionary spending. Food isn't optional, but Starbucks venti caramel lattes are.
• Remains to be saved.

At first, this number may be depressingly low or even zero. But now you know enough about where your money's going to make some smart choices.

You can choose to pay $100 a month for the pleasure of fancy coffee. Or you can brew your own and save that $100 toward another, more meaningful goal.

Either way you'll know where your paycheck is going, and that you're getting the most from every cent.

Our budget worksheets are one way to tally up and compare what you earn and what you spend.

But we suspect you'll find our budget calculator is easier and more helpful.

It allows you to break down monthly expenses into 25 different categories and see if your income keeps up with your spending. If you're like most of us, you'll have little or nothing to save. Indeed, you may be spending more than you make and paying for the difference with your credit cards.

The calculator makes it easy to go back and adjust any of the categories to see what you've got to do to live within your means. It even provides suggestions for what you should be budgeting for groceries, entertainment and the other spending categories.

Need more ideas? Go to another calculator that will let you see how your spending stacks up with other Americans.

Just enter how much you make and how much you spend in each of the 10 categories. We'll use information from the Bureau of Labor Statistics to compare your expenses to the national average for your income bracket.

Any category with a big red check mark means you're spending more than the national average and it's a good place to look for savings.

Just assigning targets usually isn't enough to change your habits. You have to keep track of your spending, at least for a while, to see how you're doing and where you need to really pay attention.

Writing down every purchase with our daily expense tracker is an option -- but a pretty tedious option that requires a lot of discipline.

Another method is to collect receipts for every cent you spend, whether you write a check, whip out your plastic, or hand over cash. Every few days, you can organize those receipts and tally up the amounts.

We suspect most of you will find it quicker and easier to turn to your computer again.

With a program like Quicken or Microsoft Money (both $49.99) you can record checks you write, credit card charges, and cash transactions.

To make tracking as easy as possible, buy PocketQuicken for your PDA (personal digital assistant). Then you can record what you spend as you spend it, and download the transactions into Quicken when you get home.

In Quicken, the program totals what you spend in various categories. Quicken can even figure out categories for you; if you write a check to the supermarket, the program fills in a category for groceries. You can set up your budget in Quicken, too. Its reports compare your actual income and expenses to your budgeted amounts.

Keep in mind, your actual spending will never exactly match your budget. You may pay insurance premiums once or twice a year; heating bills are higher in the winter; and entertainment expenses often increase around the holidays. But after three to six months, you'll have a good idea how well you're following your plan.

Suppose you find that you're blowing your "Entertainment" budget month after month.

Bundling all your fun expenses into one vague bucket doesn't say whether your problem is dining out, movies, or refilling your scuba tank. Break up the categories that give you grief. If you use a program like Quicken, it's easy to re-categorize past spending, so you can see the problem almost immediately.

By Bonnie Biafore

Interest.com Contributing Editor