How to Budget: The Ultimate Guide

What is a budget? Why is it important to budget? Who is budgeting for? How to get started? When to budget? Where can I save money? 

I am a twenty-eight year-old woman living below the poverty line who has no debt, an awesome credit score, and five figures in my savings account. If I can do it, you can too!

Follow me on this step-by-step series as I break down the “act of budgeting” into small, concrete steps that you can implement in your own life to save or improve your finances.

I am not a financial advisor. I am writing about what has worked for me for my household finance. Although everyone’s life situations are different, I believe that my system is as good as any to get started, especially if you have no system already in place and have no idea where to start. That being said, I highly recommend that you apply your common sense and modify my suggestions as you see fit to best suit your circumstances!


How To Create Strong Budgeting Habits That Last


What Is a Budget and Why Does It Matter?
Creating Your Finance Bookmark Folder
A Note on Logging In
Never Miss Another Credit Card Payment Due Date
Anticipate Fixed Expenses and Track Variable Expenses
How to Save Money When You’re Broke
Closing the Month
Introducing the Weekly Expense Report
How to Plan Ahead for Fixed Expenses on a Tight Budget
5 Reasons to Choose Paper Over Digital
Choose Your Sacrifice
Editing Your Budget

Operating Principles for Life and Money


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S. N. Rabble

Undergraduate of American and British Literature, Language, and Civilization from Paris-Sorbonne, France. Now living in Canada, I am CEO of my life and Operations Director of Household Management and Finances for my household.

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