This should include your primary salary (after tax), as well as any bonuses, freelance income, or investment dividends. Knowing your "Net Income" is the starting point for every budget. 2. Fixed Expenses
While there are dozens of trendy budgeting apps available, Microsoft Excel remains the gold standard for financial planning for several reasons: download monthly budget excel sheet
Don't wait until the 31st to log your spending. Spend 10 minutes every Sunday updating your Excel sheet to ensure you stay on track for the rest of the month. This should include your primary salary (after tax),
Most "pro" budgeting apps charge monthly fees. Once you download a budget template or create your own, it’s yours forever for free. What to Look for in a Budget Template as well as any bonuses