Budgeting & Saving
Budgeting 101
A practical, workable budget is one of the most crucial tools in your financial wellness arsenal.
Starting Points
Your budget is your blueprint for keeping cash flow positive, and for sticking to your saving goals. If you have a partner, it's essential to have one overall household budget. That big picture is indispensable for having a good sense, based on actual numbers, of where the two of you stand financially, and how you plan to stay on track throughout the year.
Remember, a budget is there to help you, and it's not written in stone.
Whether or not you have a partner, start your budget by listing all your anticipated monthly expenses. It can be helpful to divide them by how frequently they occur.