![]() I highly recommend using pencil and paper for your first budget. So, now that we discussed why you need a budget, let’s get started on making one. Budgeting for Beginners: A Step-by-Step Guide When you start paying attention to every dollar, it quits flying out the window and you can use more of it. The issue most people have is that they don’t know where the money is going, so it feels like there is never enough. ![]() It’s very likely that you have more money than you realize. It’s a very eye-opening experience when you see the numbers on paper. Well, most people find that after doing their first budget, they feel like they got a RAISE! I certainly felt this way as well. You don’t have as much leeway in your spending and a small mistake or emergency could be devastating. ![]() When you are on a tight budget or a low income, it is especially important to do a budget. It doesn’t matter if you make a lot or a little, your money will not work for you, if you don’t tell it where to go. ![]() If you don’t make a plan, then your money will leave you. A budget is simply a plan for your money. Get your FREE budget worksheet But how can I budget when I am broke?Įven if you make $35,000 a year or $350,000 a year, you must have a budget.
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