Need to learn how to budget? You’ve come to the right place.
The blog posts below will help you 1) learn how to budget, 2) create the best budget that works for you, and 3) help you change your financial life.
Each resource listed below is a little different and can help you in a different way. Choose the tools that work for you, and master your budget like the high-achieving, motivated person that you are. I know you can do it!!
1. Budget Spreadsheets
I created a Budget Spreadsheet you can download. There is a Monthly Budget Spreadsheet and Net Worth Statement in an excel file and as printables. There is a total of four templates you can use to keep track of your monthly budget (aka cash flow) and your net work (aka how much money you’re worth). Everyone needs to know where their money is going and how much they’re worth — these are the perfect tools to help you do that. They’re what I use, too.
2. Budgeting For Budget Haters
Budgeting For Budget Haters is an online course that teaches you how to budget. The premise is that everyone hates budgeting, but it’s a necessary evil so you need to learn how to do it. There are 5 modules in the course that show you how to create an annual budget, monthly budget, and how you can actually succeed at budgeting without making it painful. The course will help you stop living paycheck to paycheck and give you a foundation for achieving your financial goals. It’s super thorough and an excellent place to start budgeting!
3. 21 Days To A Better Budget
21 Days To A Better Budget is a collaborative eBook written by several bloggers, including me. It’s an eBook that teaches you how to budget so you can be stress-free when it comes to money,
This book isn’t just about budgeting — it covers lots of things important to managing your money, like adopting better money habits. Since this is free, you really have nothing to lose and have so much to gain!! I can’t say enough about this resource.
4. How To Budget For Beginners
How To Budget For Beginners: A 6-Step Guide is a blog post that is a great resource that walks you through how to start budgeting. This post shows you exactly how to budget. If you want step-by-step instructions that show you how to budget, then this is what you need. It will help you create your budget.
5. Personal Capital
Personal Capital is an online tool that helps you track your accounts electronically. Not only that, but you can view your spending and savings in pretty charts and graphs. I use Personal Capital to connect my accounts (including my student loans and retirement accounts), and I absolutely love it. It’s a similar tool to Mint.com but I like it better!
6. How to Organize Your Finances in 8 Steps
In conjunction with your budget, you will need to organize your overarching finances. Your overarching finances are things like your net worth and credit. It’s not enough to budget your monthly income. You need to keep track of your net worth and know your credit score. I teach you how to do this in 8 Steps To Organize Your Finances (for Beginners).
7. How to Organize Your Finances Physically and Electronically
Part of budgeting means organizing your personal financial files. To do this, read How to Organize Your Finances Physically and Electronically. You’ll learn how to get all of your financial stuff in order and know exactly where it’s at so you can stay on top of it.
8. How to Use the 50/20/30 Budget
The 50/20/30 Budget is a different type of budget than the traditional budget. It is good for someone who isn’t overwhelmed by debt or any other obligation. If you have “average” finances (whatever that means…), the 50/20/30 budget may be helpful for you. People really like the 50/20/30 budget because it is flexible and workable.
9. How to Budget Using the Envelope System
How to budget using the envelope system is a blog post about how to budget with cash so you can’t go over budget. It’s the simplest, sure-fire way to stick to a budget. If you have a spending problem, I highly recommend this one!
10. The Top 10 Budgeting Blog Posts Online
The Top 10 Budgeting Blog Posts is a post I wrote that lists the best budgeting blog posts online. It will guide you through everything from budgeting on inconsistent income to having family budget meetings. There is something for everyone!
11. How To Trick Yourself Into Sticking to Your Budget
How To Trick Yourself Into Sticking to Your Budget is a post that lists 8 strategies you can use to trick yourself into following your budget. We all struggle with sticking to our budgets, but with these steps you can minimize your budget failures.
A Final Note!
These tools are what I use for budgeting. They help me stay on track and are a part of my financial journey out of student loan debt.
If you want to chat more about budgeting, join my email list for the good stuff.