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Whether you want to save money, cut costs, stretch your income, tackle debt, or just get to know your finances, budgeting should always be the first step.

Whether you suck with money and budgets or you just want to take the next step in your financial journey but don’t know where to start, after you have made the decision to create a better financial situation for yourself, the next step should be learning how to budget.

Many people think that budgeting is as easy as slapping a few numbers down on a piece of paper and calling it good. They assume that since they have figured out their income and what percentage of it should go to certain budget categories, they are well on their way towards financial freedom.

Unfortunately, that’s not how budgeting works. There’s a lot more to budgeting than your income, and figuring out how much money goes where is just a tiny part of budgeting, smack-dab right in the middle.

There are several important steps that you need to take BEFORE you even create your budget, then there is the creating your budget portion, then there is a long list of things you need to do after you’ve created it to ensure that it is a budget you can stick to for the long-haul and a budget that will work with your unique financial situation.

The Ultimate Budget Breakdown: how to create a budget that works for your life. Create an easy monthly budget that will save money every month. Stay on budget with these simple budget reminders. Create the perfect budget for your financial situation. I'm so excited to start using my Ultimate Budget Breakdown to create the perfect budget for me and my family and start saving money every month! 

When you’re creating your budget but don’t know where to start, so you look up some help, many people will throw a blank budget template at you, tell you to fill it in with your numbers, and tell you that is all there is to budgeting. What they forget to mention is all the preparation steps that need to be taken before you even start your budget in order to help you stick with it and lay your foundation. If you start a budget with no foundation laid, as soon as it gets boring or a bit difficult, you are going to give up budgeting just like that.

 

If you have no budgeting foundation set, somewhere along your journey your budget will likely fail you, and when it does, it won’t be long before you decide to give up budgeting altogether.

Maybe your finances are just too far gone.

The good news is – no one’s finances are too far gone. There is always something that can be done, it doesn’t matter if it’s big or small, as long as you’re taking steps in the right direction and working hard to get to a place of financial freedom, you will make it.

SO, IF CREATING A BUDGET ISN’T THE FIRST STEP TOWARDS SUCCESSFUL BUDGETING, WHAT IS?

I’ll let you in on a little secret – when you’re ready to start budgeting, creating a budget on a piece of paper is NOT going to be your first step. In fact, that’s a little ways down the line.

The first step you need to take when it comes to budgeting is, in fact, yourself.

You are your biggest motivator, but you are also your biggest obstacle when it comes to budgeting. If you don’t believe you can do it, you won’t be able to do it.

But if you can change your mindset and truthfully believe in yourself and your finances, no matter how far gone they seem, then you will be able to start unpacking each step of your budgeting journey.

The Ultimate Budget Breakdown sneak peak accountability worksheet

So, where do you stand? Do you really and truthfully believe that you can do this? Or are there doubts, fears, and questions in your mind? If there is – then you need to work on changing your mindset FIRST.

Before you take any other steps you need to truly believe this is something that you can, and you will, do.

Because what will happen when you don’t believe in yourself, but give budgeting a shot anyway? When the going gets tough and your budget starts failing, you’re going to give up. You never believed that you could do it anyway. The difference in believing in yourself is that when the going gets tough and your budget starts to fail, you still know you can do this. You know that some times are going to be harder than others, so you buckle down and put in the hard work that is required.

You know you can do it, so giving up isn’t an option.

Are you ready to put in the sweat and hard work that is required in your budgeting journey?

If you’re ready to not only work hard, but see your hard work pay off, join me in The Ultimate Budget Breakdown where I break down every single step of budgeting for you to easily digest and follow along with to start a budget that is going to last you the long-haul. This budget will stay with you through changes in your financial situation, changes in income, changes in expenses, and changes in your life.

Are you ready to stop taking a guessing approach to budgeting and finally create a budget that will actually work for you?

If so, you can find The Ultimate Budget Breakdown here!

The Ultimate Budget Breakdown

Through personal experiences and lessons learned, I will show you exactly how you can make a budget work, no matter what your financial situation looks like. 

Jam-packed full of details and budget methods that WORK, The Ultimate Budget Breakdown will help you:

  • Complete the provided exercises to lay a solid budget foundation BEFORE creating your budget
  • Learn how to create a budget that works with your unique financial situation
  • Learn what “healthy financial goals” are and how you can make your own
  • Discover where your money is going every month and find the “money-suckers” in your life
  • Learn how to make your income last through the whole month
  • Discover how to cut costs when it feels like there’s nothing left to cut
  • Include your whole family in the budget
  • Find freedom from your past financial mistakes
  • Ditch your debt with proven methods
  • Discover what to do with your finished product to ensure this budget stays with you over the years

And so much more! This workbook is split into 9 wholesome lessons, each of which are further broken down into smaller chunks so that you can easily comprehend them. Each lesson is filled with multiple worksheets that you can print off and work through to create your unique path to financial freedom and budgeting success.

Related:
10 Expenses to Include in Your Monthly Budget
5 Ways to Stick to Your Budget When it Feels Impossible
10 Expenses to Get Rid of Today
20 Things We Took Off Our Grocery List to Save Money

The Ultimate Budget Breakdown: Learn how to create a budget that saves money and works for you. Printable worksheets to help you create a budget tailored perfectly to your unique lifestyle. Save money and save your finances with this easy monthly budget!

Rejoice in hope, be patient in tribulation, be constant in prayer. Romans 12:12