📂 Budgeting
How to make your first monthly budget step by step
💡 Quick Tip
Take total control of your money with a simple guide to creating a budget from scratch. Start deciding where your money should go instead of wondering where it went.
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Why you need a budget
A budget is giving orders to your money before it is spent. It is a tool for freedom.
Steps to create it
- Sum net income.
- List fixed expenses.
- Identify variable expenses.
- Subtract and assign the surplus to savings.
📊 Practical Example
Practical example
Income: €1,500. Fixed: €800. Variable: €400. Savings: €200. If you overspend on leisure, the budget tells you to cut back on food to stay on track.
