Creating and sticking to a budget doesn’t have to be stressful. Start by tracking your income and expenses to understand where your money goes. Use the 50/30/20 rule—50% for needs, 30% for wants, and 20% for savings and debt repayment.

Automating bill payments and savings ensures consistency, while cutting unnecessary expenses frees up extra cash. Using budgeting apps can make money management easier. A well-planned budget gives you financial control, reduces stress, and helps you achieve long-term goals.