Content Overview 
- Summary
- Step 1. Find Out What Your Spending Patterns Are
- Step 2. Break Your Expenses Down By Core Expenses (Expenses You Can't Do Without), Discretionary Expenses And Unnecessary Expenses:
- Step 3. Consider Whether There Are Ways To Spend Less For The Things You Need
- Step 4. Think About Your Goals For Your Money
- Step 5. Set Flexible Rules For A Budget That Fits Your Circumstances
- Step 6. Create The Budget
- Step 7. Give The Budget A Trial Period By Using Apps Or An Envelope To Help Keep Track
- Step 8. Tweak The Budget As Time Goes Along
Budget: Creating/Living With
Step 4. Think About Your Goals For Your Money
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Think about what your goals are. Are you looking to fund your Emergency+Fund? To save for a trip? To put more money aside for retirement?
While thinking about goals, consider reading our article about Increasing Your Income to find out if there are easy steps you can take to increase your income.
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