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/biz/ - Business & Finance


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14581493 No.14581493 [Reply] [Original]

how to budget?

>> No.14581628

>>14581493
step 1: monitor your spending over the course of several months. (this is why adults keep receipts. but with online banking no one needs to do that anymore)
Step 2: compare to income.
Step 3: determine how much you can spend on non essentials. So everything after rent, utilities, food and insurance.

>> No.14581675
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14581675

>>14581628
thanks :)

>> No.14581983

>>14581675
And always remember to overestimate your expenses, and underestimate your income.

>> No.14582083

>>14581983

I work with a 10% of income reserved for ''unforeseen'' expenses. Car repairs, medicals that are not covered by insurance etc. If I don't use this 10% I use half of that as investment money, with the rest being put into savings.