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How to Set Up Your Budget. Setting up a budget is a straightforward process. It helps to have a list of the bills that you must pay each month as well as your expected income. If you have not budgeted before, you can start by looking at your past three month’s expenses. Using your bank statements to break these into categories. If you have budgeting software, you can upload your statements and use the software to start to sort them.

Step 6: Keep checking in. It’s important that you review your budget on a regular basis to be sure you are staying on track. Few elements of your budget are set in stone: You may get a raise, your expenses may increase or you may have reached your goal and want to plan for a new one. Whatever the reason, keep checking in with your budget following the steps above.

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