![]() ![]() When you have extra money laying around in your account, you may feel tempted to spend it on things you don’t need. When creating your budget, try budgeting to zero. Sit down at the end of each month to readjust your budget for the next month ahead.īonus step: Schedule budget check-ins once a month to hold yourself accountable. As each month may have different expenses, plan for the adjustments. As a general rule of thumb, you should follow the 50/30/20 rule - 50 percent of your income going to necessities, 30 percent towards extras, and 20 percent towards your savings.Īfter figuring out how much money comes in versus out, set your monthly budget goals. Now that you’ve identified where you overspend, it’s time to create a budget to keep your temptations at bay.
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