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How To / Education






Budget - How to make a budget (Example of a completed budget)

To start, print out this blank budget sheet or open the budget online to track your expenses.


You'll need to track at least two basic categories -- income and expenses.


Start by entering all sources of after-tax income on a monthly basis on the worksheet. This makes it easier to calculate how much money you have available to meet your expenses. Many of your expenses, such as rent and utilities, are probably billed monthly.

Next, list all of your fixed expenses. These are expenses you already know the amount of, such as:

  • Rent or mortgage

  • Insurance payments (Health, Car, etc...)

  • Car loans

  • Cable and/or internet bill

  • Savings contribution


Then, add in your variable expenses that have amounts that might change monthly, such as:

  • Groceries

  • Gas for your car

  • Clothing

  • School Supplies


The worksheet will automatically add up all of your income and all of your expenses, or you can do it manually with a calculator, if you printed out the worksheet.


If your expenses are greater than your income, it's time to find ways to cut costs.


And if you have money left over after all your expenses are paid, you're doing great! 


You could increase your savings contributions, pay down debt faster, or even consider making a regular monthly charity donation.


No matter what format works for you, the important thing about budgeting is to start now.


Getting a handle on where your money goes as soon as possible will give you the information you need to make any necessary changes. Then, you'll be better able to achieve your short- and long-term financial goals.

East Missouri Action Agency -

Through the Community Services Department, EMAA provides assistance to low-income individuals and families in our service area via five basic program components: Family Intake, Assessment and Referral, Community Outreach, Emergency Assistance, Family Support, and Self-Help Programs.

Call them at (800) 392-8663 or send them a message on Facebook to see if they can assist with utility bills or other needs.

Heavenly Hope -

Their mission is to bring HOPE to people by sharing God's love, teaching life skills, and working hand in hand creating future goals to bring HOPE to any circumstance. They have provided food boxes to our neighbors and can help out in a lot of ways. Contact: (636) 465-9178 or send them a message on Facebook. 

Options for Women -

Options for Women provides (1) Care in the form of pregnancy tests, ultrasounds, and pregnancy consultations; (2) Growth in the form of free classes in parenting, relationships, life skills, etc.; and (3) Support in the form of assistance with diapers, wipes, and other baby items. All services are free of charge.

Young Mothers - 

Through group meetings, the Young Mother Support Group assists and guides moms in strengthening parenting skills, dealing with problems and feelings, learning about available resources, as well as receiving support and friendship from other mothers.

An essential closet is available to help meet needs for baby care and personal care items.

New members are welcome. Eligibility is current pregnancy and/or having a child 5 years of age or younger.

There is no cost to join or participate.

Meetings take place at 5:30pm on the third Tuesday of each month in the lower level meeting room at the Ste. Genevieve County Health Department at 115 Basler Drive.


The program is sponsored by the Ste. Genevieve County Community Services Forum, Community Foundation, L.I.F.E. Center, Inc., and the health department.


For information, call 573-756-4314, extension 73.

Options for Women
Heavenly Hope
Young Mothers
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