But whatever you choose, prepare to commit to using it for at least a few months. You can use a spreadsheet (here’s our free automated budget spreadsheet, software like YNAB, or a pencil and a notebook. So for those in the same boat, here’s a step by step guide to getting started. But in retrospect, one of the things stopping me was that I didn’t really know how to budget for any further out than my next paycheck. My budget became a tool that directed money towards my priorities and away from the random spending that was derailing my finances for no good reason. When I finally took the budgeting plunge a couple of years ago, my life changed for the better almost immediately. But take it from me: the only difficult thing about budgeting is deciding to get started doing it. And lots of us resist getting started because it seems hard, boring, and/or like it will slowly suck all the fun out of life. Budgeting seems intimidating when you’ve never done it. The ONE CRAZY TRICK that will allow you - yes, you with the entry-level job and the student loan payments - to start a successful budget when you’ve never been able to do it before. Friends, as a converted and frankly evangelical budgeter, I am here to tell you the deep dark magical mystical secret of budgeting.
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December 2022
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