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This book aims to give a clear picture of the financial reality that accompanies not only individuals but also the families. Increased cost of living has made it imperative that we should pay attention and use our financial resources effectively and efficiently. The subject in the book is an issue that finds an important place in the financial health of the individual/family. A personal budget is very useful, that helps individuals to be closer to their goals. Personal budget is a dynamic process and a very important component of financial success. The budget helps us understand our true financial picture by showing our income, savings and debts at one single place. Many families would have a greater financial stability by following a strategy how to manage their money. Our financial goals can range from spending all of our current income to develop extensive savings and investment program for our future financial security. Most individuals may think that the budget is useless and unnecessary, but the experience of modern societies experience proves the contrary. The study tents to present the financial overview of an individual,and why it is important keeping the income.