Build a Budget
Beginner
Why This Matters
💡 Budgets aren’t about restriction — they’re about clarity.
Most people feel stressed about money because they don’t know:
- how much they actually make
- where it actually goes
This step gives you visibility.
What To Do (20 minutes)
Use the table below to record your income, expenses, and savings line.
1. Write down your monthly take-home income
Use your after-tax income.
If it changes, estimate conservatively. Enter the value in the table.
2. List your expenses
Fixed expenses
- Rent / mortgage
- Utilities
- Phone / internet
- Insurance
Variable expenses
- Groceries
- Eating out
- Gas
- Subscriptions
✅ Tip: Use the table to quickly jot down all amounts as you go. Start simple — refine later.
3. Add a simple savings line
Even $25–$50 counts. Record it in the table.
Important Reminder
⚠️ It’s version 1 — accuracy matters less than starting.