Just like it’s essential to declutter your home and workspaces, it’s also essential to declutter your finances. You want to be able to eliminate wasteful spending. That means subtracting expenses you don’t use (or that you use infrequently). We often generate the most waste from our grocery bills. After trying several food-delivery programs—and ultimately throwing away most of the ingredients—we realized it’s best to shop when needed and not order big loads of perishables in advance. Find out what works for you and stick to it. Every household has its own rhythm. We’ve come up with a simple six-step program for calculating a monthly budget. Scroll through and start to feel financially in control.