Today’s topic of budgeting builds on part 2 of our series, which was focused on tracking spending. Budgeting can feel really messy at times, especially when you’re first starting out building that habit. But doing that work can help you develop systems that result in having breathing room when something breaks at home or on your car unexpectedly. And it can help make paying for gifts for weddings, graduations, birthdays, and the holiday season feel more manageable. We talk about some things that have worked for us over the years, about how to make sure you’re getting a good rate on insurances, and share some thoughts on how to make your dollars go further when paying down your debt. Note: neither of us are certified financial planners, and we are only sharing ideas that have benefited us. Article: How to Make a Personal Budget in 6 Easy Steps https://www.thebalance.com/how-to-make-a-budget-1289587 Article: Never tried to live on a budget before? https://studentaid.gov/resources/prepare-for-college/students/budgeting/budgeting-tips Article: How to Negotiate Lower Rates on Monthly Expenses https://www.thebalance.com/how-to-negotiate-lower-rates-on-common-monthly-expenses-453942

Music Provided by: Intro - https://freemusicarchive.org/music/Jahzzar/Tumbling_Dishes_Like_Old-Mans_Wishes/Green_Lights Outro - https://audionautix.com/