3 Ways To Start Your Budget
Start writing a post
Adulting

3 Ways To Start, And Actually Stick To, Your Budget

It can be done!

457
https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?ixlib=rb-1.2.1&ixid=eyJhcHBfaWQiOjEyMDd9&auto=format&fit=crop&w=1950&q=80

Budgeting is a great way to plan your spending. It has become really important to me this summer because I am looking to gain residency in a new state for school and need to keep track of several finance items. Whether you need to start saving or just prevent yourself from having the "oh no when did I spend all of that?!" moment, these will be simple tips to start keeping track!

1. A spreadsheet

A monthly or yearly spreadsheet is a great way to keep track of several different items in the same place. It is also helpful because it can be adjusted easily, and does a lot of the math and calculations for you! I opt for Google Sheets spreadsheets because if I need to, I can check them on the go. It's really nice to constantly have the tab open on your computer, so you are always reminded to check in once in a while.

Spreadsheets are a fabulous option for those who constantly like to reorganize and also have several different options. They are very adaptable to any situation, so they can be good for weekly, monthly, or yearly budgeting, or all three if you would like! Having the ability to add any column you need and keep it nice and organized is a plus.

2. Bullet journal spreads

This has been my go-to because of my current situation. Over the summer, I must make a certain amount of money, and I need to make transactions every other day. This spread has become my favorite because it allows me to see the last time I bought something, how my income is growing, and when my next bills are due. It is a great visual representation that I can look at quickly. It does take some work to keep up with this method, but because every few days I am gaining income and also making purchases, it helps me stay on top of everything. Otherwise, I would just look at how the month turned out at the end instead of throughout.

Bullet journal spreads push me to be more creative as well, and so this option could be for those who need more fun in budgeting. I look forward to filling out this spread, and it feels like less of a chore than a normal spreadsheet. Who said budgeting had to be boring?!

3. Apps

Budgeting apps are a great way to take your budget on the go! Need to decide if that trip to Sonic will fit amidst the rest of the expenses you have? You can just check your phone really fast! My bank offers a budgeting section that I can customize within their app, so I really enjoy that particular app. Other ones that I have found I like include: Mint, Mobills Budget, and Money Manager Expense & Budget. These apps will help you set financial goals and savings plans, get visuals on your finances clearly, check your spending habits and even your credit score for free.

These are just a few ways that I have found to keep my finances more on track. A budget is a great way to get organized and can be tackled in any way! Attempt each of these strategies and see what works best for you as a starting place and go from there.

Report this Content
This article has not been reviewed by Odyssey HQ and solely reflects the ideas and opinions of the creator.
Featured

Black Friday is back to being Black Friday

This year, malls are standing up against Black Friday beginning on Thanksgiving. Doors won't be opening until Friday morning.

40
Lifehack

Last week my twitter feed was full of exclamations of how excited people were that our local mall, Westmoreland Mall would be closed on Thanksgiving Day this year. For those who work during the busy holiday days and hours, a celebration was in order. For the die-hard deal finders and shoppers though, they didn’t seem very happy.

Keep Reading... Show less
Politics and Activism

Is Thrift Shopping *Actually* Ethical?

There's been a recent boom in the popularity of vintage style looks and up-cycling thrifted finds to sell at, usually, an outrageous price. Is this ethical? Or does it defeat the whole purpose of thrifting in the first place?

825
Is Thrift Shopping *Actually* Ethical?

One day, I was scrolling through Twitter and came across a tweet about upper-middle-class class people thrift shopping. I personally was against the up cycling/re-selling trend because I thought it to be greedy. Then, I began to see more and more tweets, and then stated to see ones about those who buy thrifted, name brand items and sell them for what they're actually worth instead of the very low price they got them for.

Keep Reading... Show less
Featured

Holidays With the Family?

Should retail outlets close on holidays so their employees can be with their families?

1914
Pexels

For the past few years, having stores open on Thanksgiving has become a popular trend. The sales have started earlier on the day known as Gray Thursday. Now, the Mall of America has taken a bold stand and is closing its doors on Thanksgiving. They are very excited in giving the day back to their workers so they can spend time with their family.

Keep Reading... Show less
Featured

Black Friday: Explained

Time to question this unofficial corporate holiday.

4701
Flickr/John Henderson

On a personal level, Black Friday has always confused me. Everyone just ate a ton and spent all day with their families—why would we want to go out and vigorously shop, fighting crowds? I totally see why other people want to go do it, but I’ve never quite understood the concept myself. While I’ve been Black Friday shopping once or twice, I don’t get that excited about it unless it’s an opportunity to spend time with family or friends. Don’t get me wrong; I am the queen of bargains. Still, I never seem to have the energy to go out into the jungle of shoppers early the day after Thanksgiving, or even immediately after Thanksgiving dinner. Many people, though—including my loved ones—are enthusiastic about Black Friday shopping, and it seems most other Americans are the same way. So, it’s worth looking at the reasons for this commercially-driven, unofficial American holiday.

Keep Reading... Show less
Featured

#OptOutside This Black Friday

I am opting to go outside this Black Friday, and I hope you do so as well.

6637
Ross Woodhall

The day after Thanksgiving has always been regarded by many as the beginning of the Christmas season. While not a federal holiday, many people take off work, spend time at home with their families, and enjoy the beginning of the holiday season. This Friday off turned into a prime opportunity to begin the never-ending chore of Christmas shopping. Soon it became one of the busiest shopping days a year, which companies capitalized on by bringing the best deals of the year to this day we know as Black Friday.

Keep Reading... Show less

Subscribe to Our Newsletter

Facebook Comments