If you want to live a life free of the constant stress about money, you need to have a budget.
A budget is a spending plan which helps you understand your real financial position and how much money you actually have to spend. Simply put, a budget breaks down your income vs. expenses so you can manage your spending and saving in real terms without relying on guesswork.
Even if you have extra money at the end of the month, setting aside money for bigger items or an emergency fund will keep you in that position going forward. According to Andrew Munro the tedious task of keeping track of your budget is made much easier with the available budget apps. Whatever method you use whether it is a spending journal, keeping receipts or the cash system, keeping a budget will keep you on track and give you peace of mind.
Once you have set out your budget keeping to it can be challenging at times
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Read the original source article here: finder.com.au/budgeting-tips