Our top budget question is, “How do I get started?” The second: “How do I stick to a budget?”
The truth is, you don’t have to “stick to a budget”; it’s already there (money’s coming in, bills are going out, right?). But you need to make a conscious decision to improve the system.
- Tally your income (if you’re freelance, use an average of the last three months)
- Add your expenses, including savings.
- How much is left? Is that enough to cover extras? To nail an emergency fund or other goals? What do you need to adjust?
Share the wealth. What keeps your cash on an even keel? Best budget tips or ideas will be featured in an upcoming email.