Develop a personal budget using the textbook as your guide to ensure that you include all necessary information, as well as to help you define financial terms. Google Sheets and Excel are good choices for organizing your budget, or there are many free Apps that you can download. Keep in mind, you must be able to submit documents or screenshots of your budget to your instructor. You may use hypothetical numbers or actual numbers to populate your budget. Ideally, you will elect to use real numbers so you can use this budget to help you in your daily life. Be sure to include the following items, at minimum: Identify inflows of cash (income) Identify outflows of cash (bills or financial obligations, i.e. housing, insurance, phone bill, groceries) Due dates for bills and dates that you get paid Miscellaneous spending should also be accounted for (gifts, entertainment, clothes, etc.)