If life were cut-and-dried, budgeting would be a piece of cake. As we all know, life is unpredictable, and those unexpected events derail not just peace of mind but a personal budget as well. There are simple answers to the most common questions about how to keep your personal budget in step with the real world. Some answers will need to be readjusted to your own level of income but are generally the best way to ensure a financially stable month.