Different systems work for different people. If you’re someone who is looking for a method that you can easily maintain, then use a simple budget and keep the budget categories to a minimum.Ĭreating a budget is not a one-size-fits-all thing. If you’re a detail-oriented person who loves spreadsheets, then get as granular as you’d like. It’s better to make progress doing anything rather than map out the perfect budget process but be so overwhelmed that it doesn’t end up geting done. The first thing to consider is what level of detail you are willing to commit do. What categories should I include in my budget? Budgeting is the #1 skill in personal finance.Step 3: Track your spending in 3 budget categories or less + Track your net income. ![]()
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