Author: buffandbucks@gmail.com

Introduction Many people start budgeting but quit after a few weeks because their plan feels restrictive or unrealistic. A budget that actually works should fit your lifestyle, not control it. In this guide, you’ll learn how to create a simple, flexible budget that helps you manage money effectively and reach your financial goals. Why Budgeting Is Important Budgeting helps you: Without a budget, money disappears without purpose. Step 1: Calculate Your Monthly Income Include: 💡 Tip: Always use net income, not gross income. Step 2: Track Your Expenses Break expenses into two categories: Fixed Expenses Variable Expenses Tracking gives clarity…