What's the best and easiest way to budget?

These are some good ideas. I use an excel sheet with all my monthly expense and paying myself.

You have to decide which type of budget works best for you. The most common are paycheck budgets, monthly budgets, percentage based budgets, and zero based budgets. Some have their budget on spreadsheets where others prefer paper and pencil. However, all of them keep track of your income, expenses, and savings and should be reevaluated at least once yearly.

write down the budget for the month and go from there

.

Review your income and expenses and savings and pick the areas you want to put your money in.

Put $5 or $10 a pay into an account you never touch. Or US Savings bonds.

I can't stick to a budget it's too annoying I can't even start one half the time

Schedule you money and your shopping trips. try to make it routine so you develop thrifty habits.

.

I use a modified envelope budget.

I estimate my bills (electric, insurance, rent/mortgage, water, gas, &etc.), and put that amount in an account I have setup for them with automatic withdrawals. I take left over money and budget it into the following categories: fuel, groceries(food), each person's amount for their personal needs/use, garden, & emergencies.

I use 4 envelopes: 1-all receipts labelled 2, 3, or 4 at the top; 2-money for fuel in car; 3-money for everyone's personal needs/use (in labelled ziplocs or smaller envelopes)& groceries/food (deodorant, body wash, non-fast food/pre-prepared meals, & I garden for most of our fruit and vegetables so seeds, soil, fertilizer goes here too.); & 4-money for emergencies.

At the end of each week, I go through receipts and other envelopes to make sure budget is still on tract.

At the end of the month, all leftover money goes into a high yield savings account for 6-month emergency savings, vacation savings, large expense savings, and future planning savings.

I only go shopping once a month online and go to a store/farmer's market for perishables (milk, fruits, &vegetables) weekly with a set list that I now stick to after months of trying; buy in bulk or on sale when cheaper; use coupons, cashback apps, and cashback sites; buy to last with long term items like clothes, furniture, and etc.; use trubill and billshark apps to get cheapest on Bill's each month; and shop around for cheaper car insurance, phone provider, internet provider, home/renter's insurance, and TV provider.

It's a lot to do, but it really pays off, and gets easier and quicker each time. At first, it took me 1-2hrs each week. Now, I get it down in around 30 minutes a week, except last week of the month takes around 45 minutes.

I keep it all written down in my daily planner so I can double check that I did set aside enough for each bill, exactly how much each bill is and why, and that they were taken out when they were supposed to without extras hitting my account.

spreadsheet works for me; after i got a routine, I just copy the current month, change the dates, and I have a template to use for the next month

I would make a list of all bills then write down what you get paid every month and try to pay yourself first and try to put away about 5 to 10 dollars a week or about 25 to 50 a month is a great start. It will work if you start as an automatic deposit to get something started for you. Try to put it out of sight and mind.

EveryDollar for 3months. Dr method let's you focus on just 1 thing at a time until done

Live below your means.

hey there

If you make the effort to budget your money it is the right way. Easy it never seems to be. Each person must find the most helpful way for their lifestyle and their own thinking. Set aside first for essentials and go from there.

Maybe you can try to use the site https://www.rebatest.com to save your money.

Leave your card at home

I use software. No more paper and pencil. I dont want to carry any paper around.

Assess your needs and wants and expenses is the first thing.

Put it away and forget it

Put it away and forget it

Yea

1.60