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Budgeting Insights from Live Questions: If your income is variable, I suggest budgeting off your lowest income month. Your first month of budgeting is about tracking your spending and gauging your weaknesses so you can make a plan for them going forward. Sometimes you have to sacrifice small things for greater gains. Using cash versus your debit card is a personal choice based on the accountability you need. Budgeting every month gives you the ability to see how well you are doing on a monthly basis. Here are some insights that I learned from my April Spending.
*My miscellaneous category includes personal care items, household items, car washes, gifts–basically anything I spend on that didn’t have a category in the original budget.
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