Before You Set Up Your Budget (Plus Free Printable)

Setting up a budget is a huge part of getting your spending under control and outlining your financial future. Budgets are a great tool and I highly encourage everyone to utilize them. However, there are some important steps you need to take before you set up your budget. I’ve discussed tracking spending, and today I want to explore another key step in the process.
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The Importance of Tracking Spending

You want to save money and you feel like you can do it but every month you feel like you’re coming up short. Where does all of your money go? Why are you not saving the way you want to? Honestly, there are many different reasons, but a good first step would be to start tracking your spending to create a budget.
 

Where to start

It is often difficult to even know where to begin when budgeting. Often the best place to begin to review your spending over the previous 30-90 days. This includes looking over your bank statements, credit card statements, check registers, and more. You want to know where every single penny you spent went. You can see why you never save as much as you planned and why you feel like you’re always coming up short. When you take the time to complete this step, you have a really good idea of exactly where your money has been going.
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How to Create Successful Goals

We all want a successful future and have some sort of vision of how it will look. If you don’t have a vision, I challenge you to think about what you want your life to look like in 5-10 years. Now that you’ve got a rough idea of what you want, how do you get there? If this is something you genuinely wish to achieve, you must set goals. Think of your goals are the roadmap to your future. Would you want to go a road trip with no map and no plan? I wouldn’t.
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