By allowing you to organize, track and potentially modify spending across every aspect of your life, the household budget is a must-have tool for taking charge of your finances. The July 2008 issue of Real Simple® magazine got you started on this endeavor with budgeting basics and smart, money-saving ideas. If you missed the feature, download another copy here for your Manage Your Money, Manage Your Life binder. Plus, don’t miss the additional online tools we've put together to help you create and maintain your household budget.