Should I Set Up a Monthly Budget? from Adam Grace's blog

When you live in an apartment, or if you are looking to move into your first apartment, it is important to sit down and take a closer look at some of your finances. This will ensure that you will be able to set aside the money that you need to make that big move or even to start an emergency fund so that you will be able to handle things if you lose a job or there is a financial problem that comes up. To help you balance all of your finances and get ahead, you will need to consider setting up a monthly budget to make life a bit easier.

One of the first basic principles that you can follow when it comes to your personal finances is to create and then stick to a monthly budget. Budgeting is just making a plan for your money. It is a foundational habit that you will be able to set up and then build the rest of your money habits on. You will need to sit down and figure out which budgeting method is going to be the right one for you to choose so that you can be in full control over your own money as well.

Picking out a budgeting method is always a smart idea. But you will also need to take the time to work with a simple method that will help you just get started. The zero-based budget can help. The simple steps that you can use to get this one done includes:

# List your monthly income from all sources

# List out all of the expenses that you have for the month, including some of the planned saving, spending, and giving.

# Take the expenses and subtract them from the income. You should get to zero. If not, find a place for the rest of the money.

# Track the expenses all month long to make sure you stick with it.

# Make a new budget to follow before the next month is able to begin.

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