I find that a budget helps me determine where my money goes.
Many people struggle with a budget, because they think it is constricting. Things happen.
The budget doesn't tell me what to do. I tell the budget what to do.
If there is a change in the month, I move things around in the budget to make it work.
You'll be surprised how much money you have at the end of the month when you are deliberate with your income.
Rachel Cruze at Ramsey Solutions offers a variety of tips when creating your budget.
Her top 3 tips are...
- Budget to Zero at the start of every month.
- If you're married, do the budget together.
- Remember, every month is different.
If you want her 15 Practical Budgeting Tips, you can read them HERE.