We often tend to think of budgeting as a one-and-done kind of chore. You sit down with your accounts and receipts. You figure out how much you have been spending. You plan fo… See more

Once you’ve embraced the realities of the budgeting process, you’re ready to start getting into the nitty-gritty numbers. You’ll start by calculating your monthly income. For anyon… See more

Your necessary expenses are the bare minimum you need each month to maintain your life. These include fixed expenses and variable necessities. Most people have a basic sens… See more

Paying yourself means funding financial goals and plans before spending your discretionary money. Many people forget to include these kinds of goals in their budgets, as… See more