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This website is for the people who don't necessarily want to take that much time planning out their budgets. There are different types of budgeting. The first one is the most common, the monthly budget. Figure out how much you make in a month and split it between categories. The next is Bi-weekly, by taking half of both paycheques and using them for mortgage or rent, while the other half is toward expenses, and other things. This is more for the less concerned people. The last one is weekly, casually recording how much is spent each week, and being aware of where the money is going.

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No matter your income, it's always a good idea to create a budget for yourself.

A proper budget can help you gain insight into your spending habits and help you allot money to contribute to your savings. However, everyone spends money differently, which is why no one budgeting method fits everyone's lifestyle.

Instead it's important to examine each option when creating your budget in order to pick the one best suited for you.

Here are four different ways to budget:

Monthly

A monthly budget can be beneficial for many reasons. Many bills and expenses only pop up once a month, which is why a monthly budget is a good jumping off point.

Keep track of all your expenses, savings plans and any possible personal items and figure them into your monthly income.

A monthly budget also acts as a good guide for how to budget for your savings as well, since you'll have taken out those monthly fixed expenses. Furthermore, once a month is a good time to review and re-examine your financial goals as well.

Bi-Monthly

If you get paid twice a month, a bi-monthly budget can be extremely helpful since you won't have all of your monthly income at once.

It's a good idea to set aside half your rent or mortgage from one paycheck and then use the rest of it to pay for other fixed living expenses like utilities and insurance. Of course, it's always wise to leave yourself a little buffer for other necessities.

Then, when you get a second paycheck, set aside the other half of your rent or mortgage, and take out any planned savings in your budget. Whatever you have left over you can budget into variable expense categories, like groceries, entertainment, and gas. With a bi-monthly budget you won't accidentally spend more than your paycheck.

Weekly

Although this technique won't allow you to allot all your fixed expenses into your budget, it will allow you to track your spending habits more carefully.

By tracking and planning your spending weekly, you can see where you fall in your budget so you know exactly whether or not you've stayed inside your plan. From there you can more easily plan the following weeks and spend accordingly. If you spend a little extra on entertainment one week you may need to adjust the next few weeks and this budget method gives you that flexibility.

Zero Based

Zero based budgeting means that what goes in, is exactly what goes out. In other words, if your monthly income is $2,500 then $2,500 is what you spend, save or invest.

To do this list your total monthly income, then write down every single expense you have each month, not just the fixed payments.

At the end everything must even out, and if they don't, you'll have to make adjustments. However, with a zero based budget, this is also true if you come out ahead. Every dollar must be assigned to something, so if you have $200 left over you'll have to do something with it, like save it. The point of this budget is that you know exactly where every last dollar of your income goes.

You have a variety of options when it comes to figuring out your budget. The important thing to remember is to pick the one that's right for you and best suited to your spending habits. And in some cases, that might even mean keeping more than one type of budget at different points in your life.
What's your go-to budgeting technique? Have you found one that works better than the rest?

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4 Different Ways to Budget - Budget Ease

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No matter your income, it's always a good idea to create a budget for yourself. A proper budget can help you gain insight into your spending habits and help you allot money to contribute to your savings. However, everyone spends money differently, which is why no one budgeting method fits everyone's lifestyle.

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Website #1: Budgeting is for now and for the future. 

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Website #1: Budgeting is for now and for the future. 

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This website goes into more detail of why budgeting is important for the future, and how it is important to be aware of your budgets in the near future so you don't fall into any debt. This is called budget forecasting, similar to how the weather shows that it's going to rain tomorrow, which means you'll bring an umbrella outside. You are aware of the future, and will act accordingly. Long-term budgeting is important for those expensive items that need time to save up for. (A house, a car, retirement)

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what is a budget and why is it important

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what is budgeting and why is it important

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What is Budgeting and Why is it Important? | My Money Coach

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Learn how to save money and make smart financial choices

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This website is basically teaching people how to set up a monthly budget for several reasons; help pay bills on time, cover unexpected emergencies, and reach future goals. First, you must add up your income for the month. It is extremely important to use your net pay and not your gross. (Net pay is after the tax deductions) Second, estimate expenses. (Fixed and variable) After subtracting the two, you will see how much money you actually have each month. Afterwards, this should be separated into many different categories of what you can spend in each.

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This information will help you to understand any "budget variances" - the difference between the amount you planned to spend in a certain category, and the amount you actually spent. Prepare to be surprised for the first couple of months. You may not need to track your spending indefinitely.

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Image #2: A little something to live by.

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Image #2: A little something to live by.

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This quote is basically summing up what budgeting really is. It's a way to live your life easier, never really knowing how much you can spend or where it's going can really cause a lot of stress. Take control of your life, and it will be easier.

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Whether is be pen and paper, and excel document, or an app, you should be recording what you spend every single day. This will help you be more aware of where your money is disappearing to!

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Image #1: The basic categories of budgeting.

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Image #1: The basic categories of budgeting.

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This picture is similar to a little summary of the three places where your money should be going. (Savings, spending money, and expenses.)

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This video explains further into the importance of why people should budget and how our every day financial choices will effect us in the long run. Budgeting is a commitment, but it will prevent you from ever saying again "where did all my money go?" You are well aware of where your money is going, and are able to slowly save for the things you will need in the future. (Long term and short term).

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Budgeting Basics: COMMIT to saving money!

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Anyone who has any money at all needs to budget! I wish someone had told me to create a budget a LONG time ago! Watch to learn some budgeting tips! More on budgeting: http://www.themintgrad.org/learn/budgeting-basics/ Budgeting App Resources: http://www.parentscountdowntocollegecoach.com/2014/07/08/10-budgeting-apps/ https://www.dailyworth.com/posts/2815-7-of-the-best-money-management-apps/8 Highly recommended: https://www.mint.com/ https://www.youneedabudget.com https://www.personalcapital.com/ Click SUBSCRIBE to join me on this financial journey!

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Video #3: Planning is a part of budgeting. 

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Video #3: Planning is a part of budgeting. 

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This video is more toward the type of people who will be very serious and organized about budgeting, such as people with families and must budget to be able to get by with ease. First is planning out and keeping track of all your bills that you owe, this will allow you to always be aware of how much you are owing. Next is budgeting in an excel sheet, writing down the net income each month and breaking down into categories what you can and can't spend.

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I am Kristin and welcome to my YouTube Channel. Today, I am sharing how my family keeps track of our monthly bills and budgeting. I hope you enjoy my video and thank you for watching! I am a wife, mommy, educator, blogger, planner addict, and organizing fanatic all wrapped up into one.

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Video #2: A little something for beginners!

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Video #2: A little something for beginners!

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This video is important for people who are looking to do the very minimum of budgeting. People always assume budgeting takes a lot of work, but in reality it can be very simple. The first simple method it explains is "pay yourself first", where you save your money first and then pay your expenses. Another method is the 80/10/10 rule, where 80% of your income goes to living expenses, 10% into savings, and then another 10% into paying off any debt.

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A short animation demonstrating how to start budgeting for the first time.

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Welcome to my wall, reader! What you can expect to learn from here is everything there is to know about budgeting. More importantly, why is it important to budget?