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Hi friends budget girl here now the question I get asked probably more than anything and the message I get probably more than anything is hey Sarah I want a budget I know I need to budget I want to have a better financial life in a more secure future, but I just can't get the numbers onto the paper it's usually followed by I would be happy to send you my numbers can you help me get a budget started now here's the thing if you can get the numbers into an email and send them to me than you can do your own budget that's all there is to it if you have your numbers you can do budget, so I'm just going to walk you through your very, very first beginner budget of getting things down on the paper and how to implement this into your life so first, and I believe your first budget should probably be just straight up pencil and paper or sharpie and paper in my case um get a piece of paper get pin sit down on the table and get it done because a lot of this is a mental block and my first budget I was like oh if I do this I'm going to be so broke but that's not the way it really happens when you do this, and you take control of your financial life you're going to be able to be a lot more successful actually you're going to be able to have money I never thought that when I allocated all of my money out for the first time that I would feel like I got a raise but I did so great your teeth sit down suck it up pin and paper, so I am going to link Gabe Ramsey's easy budgeting form below which will give you an idea of which categories you need to consider for your budget and I would do this just alongside that or on that form, but this is the way I did my first budget and this totally works so at the very top you need to put your estimated income for the month now this is for a standard budget in which case you know how much income is coming in if you have irregular income as in you may be waitressed, or you don't know exactly how much is coming in that's a little different but not much essentially this we do a zero-based budget based off of a standard number yours is going to be more of a tier of you figure out how much minimum you're going to get and allocate all your spending like this and then anything extra you get gets to go by priority, but you can still do this exact same thing it will work out I promise all right so because I'm a question the very first thing I would write down is tithe and I get 10 of my income to giving and the church if you don't do this that's fine skip to the next one if you do that's where it goes top of the budget because if you put it at the bottom you'll never get to it, so I once you know your income you write down your expenses, so that is tithe my rent I write down how much I pay for that which you should know how much you pay for rent you have to cut a check every month and then next you're going to write down how much you're expecting to pay for this next month for electrical, and you pay the bill every month, so you should...
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