Budgeting basics

How to make a monthly budget

The ultimate guide to budgeting on a monthly basis!

June 2, 2023
 min read
Last updated:
Jan 12
A man and a woman sitting on a couch reading from a notebook that the woman is holding.

The gist: By embracing the art of budgeting with a positive attitude and evaluating your money on a monthly basis, you can take charge of your financial future like a boss.

It's time to take control of your finances and unleash your inner financial wizard. Budgeting may sound like a boring chore, but fear not! With a genuine desire to transform your financial situation and a confident attitude, you'll be well on your way to creating a basic monthly budget that will empower and inspire you. Let's dive in and discover the art of budgeting together!

Embrace the Numbers, Darling

Picture this: you, your favorite pen, and a cozy spot to crunch some numbers. Budgeting is all about getting up close and personal with your finances. Take a deep breath, gather your financial statements, and examine every aspect of your income and expenses.

Passionately Prioritize

We all have goals, right? Whether it's saving for that dream vacation, paying off debt, or simply building an emergency fund, identifying your financial goals will ignite your passion for budgeting. Remember, every dollar has a purpose, and you get to decide where it goes!

Empathize with Your Expenses

Expenses are like guests at a wild party—they can quickly get out of control if not managed properly. Track your expenses diligently and identify areas where you can make adjustments. Be empathetic to your financial health and understand that every small cutback adds up to a more secure future.

Positively Prioritize Saving

Saving is the superhero cape you wear when facing unexpected expenses or pursuing your dreams. Make it a priority! Aim to save a percentage of your income each month, and watch your financial resilience grow. Remember, saving doesn't mean sacrificing; it means creating a safety net for yourself.

Empower Your Inner Budgeting Diva

Your budget, your rules! Have fun with it and personalize it to suit your lifestyle. Whether you prefer spreadsheets, budgeting apps, or old-fashioned pen and paper, choose a method that speaks to your soul. Personalize your budget by giving it a sassy name (like “The Coin Ninja’s Crusade” or “Financial Freedom Formula”). It'll make you feel like a financial superstar!

Casual Accountability and Rewards

Budgeting is a journey, my friend, and sometimes you may veer off track. But don't fret! Embrace casual accountability by regularly reviewing your budget and making adjustments as needed. And remember, you deserve some love too! Treat yourself with small rewards along the way for sticking to your financial plan. It's all about balance, after all.

Congratulations! You’re well on your way to mastering the monthly budget and saving like a pro. Remember, budgeting is not about restricting yourself; it's about making intentional choices that align with your goals and values. So go forth, embrace the power of your budget, and unleash your inner financial superhero. You've got this!

*Prices fluctuate based on season and day of the week.

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