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9 KEYS TO CREATING A PERSONAL BUDGET
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A personal or household budget is a breakdown of your income and expenditure for a specific period, usually one month. While the term “budget” is frequently linked with constrained expenditure, a budget need not be constrained for it to be effective.
It will display how much money you plan to receive, your mandatory costs (like rent and insurance), and discretionary spending (like entertainment or eating out). Rather than seeing a budget as a hindrance, think of it as a tool for accomplishing your financial goals if you need to make a basic budget that you can stick to. Here are nine tips to consider:
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