create a simple spreadsheet where you can sit down & determine your monthly expenses such as mortgage/rent, gas, and groceries. This will give you a better picture/visual of what to expect.
once you know your monthly spend, you can determine a monthly percentage of income to put towards your savings. Aim to save 10-15% of your monthly income.
if after recording your expenses, you determine they’re too high, you might want to finds ways to cut spending. Such as eating in more, having a budget for clothes, & maybe even cut certain subscriptions.
have a list of short-term (1-3 years) and long-term (4+ years) goals and determine how long it might take for you to save for each of those. This way you can start to budget.
it is easier to save when you do not have to physically take the money out & move it over. Set it up under your mobile banking app where the money is transferred each month and you’ll be surprised at how quickly it adds up!
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