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Budgeting 101

Step 1: Write down your Total Income

This is your total take-home (after tax) pay for both you and, if you’re married, your spouse. Don’t forget to include everything- full-time jobs, second jobs, freelance pay, Social Security checks, and any other ongoing source of income.

Step 2: List your Expenses

Think about your regular bills (mortgage, electricity, etc.) and your irregular bills (quarterly payments like insurance or HOA) that are due for the upcoming month. After that, total your other costs, like groceries, gas, subscriptions, entertainment and clothing. Every dollar you spend should be accounted for.

Step 3: Subtract Expanses from income to Equal Zero

Your income minus your expenses should equal zero. When you do that, you know that every dollar you make has a place in your budget. If you’re over or under, check your math or simply return to the previous step and try again.

Step 4: Track your Spending

Once you create your budget, track your spending. It is the only way to know if your spending is aligning with your plan. Visit to learn more!

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