The Ultimate Guide to Budgeting

I MUCH prefer the term “Spending Plan’ to Budget but the same concepts apply. Having a spending plan and following it regularly is essential to creating financial stability and reaching your goals. There are SO many ways to set up a spending plan, many using phone apps or computer programs. But frankly, a paper and pencil plan can be just as effective and easier to implement. Simpler is better than more complex and more likely to actually be used.

Cheryl Wagemann provides suggestions: