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Be the Boss of Your Budget

Piggy bank with a stack of dollars and coins

Step 1: Determine your income. Include all sources of income, including wages from your job, financial aid, or scholarships.

Step 2: Determine your expenses. What are your expenses every month? Include items like a car payment, food, entertainment, gas, and others.

Step 3: Check to see how you’re doing. Are your expenses higher than your income? Do you need to cut expenses?

Step 4: Track your spending every month. Your budget may look good on paper, but if you don’t see what you actually spend and keep track you don’t know if you are really sticking to your budget.