Budget Basics: A Simple Way to Track Your Spending
A budget does not need to be complicated. The goal is simply to know where your money goes.
Start with what you have
List your regular monthly income and fixed bills such as rent, utilities, and subscriptions.
Track for one month
Write down every purchase for 30 days. Patterns appear quickly.
Pick one change
Instead of cutting everything, choose one category to reduce, such as dining out, and set a realistic target.
This article is general information, not financial advice.