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You will need to track your spending and stop when you have reached the limit in each category. This is when you start budgeting. If you do not stick to your categories, then you will not stick to your budget. If you end up spending more in one category than you had planned, you can transfer money into that category to cover it from another category. For example, you budgeted Ūꯠ for food for one month and you ended up spending 趚, then you can move โ from your entertainment category to cover it. In order to do this you will need to check on your spending every day to see how much you have left.

Once you have a list of your expenses and your income, you will need to compare the two numbers. Your expenses should less than or equal to your income. If you have additional money after you plan your budget, you can add it to the categories for your financial goals like getting out of debt or building an emergency fund. If you have more expenses than income, you will need to find ways to cut back on your expenses. Start by cutting money from your categories in the luxury section of your budget. You can also work on ways to increase the amount you earn.

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