Top 10 Things to Have for Creating a Monthly Budget

Budget Planner

A physical or digital planner helps track monthly expenses and income in one place.

Budgeting App

A mobile or desktop app can help automate and track spending and savings goals.

Expense Tracker

An expense tracker allows you to categorize spending and identify areas to save money.

Financial Calculator

A financial calculator is a great tool to help calculate loan payments, savings growth, etc.

Envelope System

The envelope system helps divide cash for different spending categories, ensuring you stick to your budget.

Notebook or Journal

A notebook helps you manually record expenses and set financial goals each month.

Bill Organizer

An organizer for bills and due dates ensures that you never miss a payment and can plan ahead.

Savings Jar

A savings jar can physically separate your savings to keep you motivated to reach your financial goals.

Credit Report Monitoring Tool

A tool to monitor your credit score and report helps ensure your financial health is on track.

Financial Planning Book

A book on financial planning offers strategies for budgeting and saving effectively.