Tips to Make It Easy
-
Use envelopes. Old-school but effective. Write “Groceries” on one envelope, “Entertainment” on another, and so on. Put the cash in, and when it’s gone, it’s gone.
-
Try a notebook. Write your categories and track spending with simple tallies.
-
Go digital if you like. There are apps like YNAB (You Need a Budget) or Mint, but paper and pen work just as well.
-
Review monthly. Sit down once a month, look at what worked, and make adjustments.
-
Include fun money. Budgeting isn’t about depriving yourself—it’s about planning for joy as well as necessities.
