Tools and Resources

  1. You can find paid and unpaid apps, software systems and pre-made spreadsheets. If you’re tech-savvy, you can even set up your own spreadsheet via Excel or Google Sheets.
  2. If you’re old-school, you can also track your spending with pen-and-paper, although this method will require checking in with your debit and credit card purchases.
  3. You can also ask a friend to be an accountability buddy when it comes to budgeting. 
  4. Choose someone who has similar goals and struggles. Decide on how often you want to meet to discuss your budget. You can also ask them to keep you on track if you want to buy something that’s not in the plan.
  5. Also, don’t forget that budgeting is a skill that you have to learn, like speaking a new language or playing a sport. It’s not an innate skill that you’re born with. Don’t beat yourself up if it takes you a while to learn how to stay under budget.