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6 | | - <meta name="description" content="New to tracking your money? These are our step by step tips for getting your budgeting journey started . Calculate your income; list and label expenses"> |
| 6 | + <meta name="description" content="Taking you through the simple steps you need to start budgeting. Understanding your net income and tracking your expenses is key to creating an effective budget"> |
7 | 7 | <meta name="author" content="Dean Blackborough"> |
8 | 8 | <title>How to start Budgeting?</title> |
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12 | | - <x-layout.open-graph title="How to start Budgeting?" description="New to tracking your money? These are our step by step tips for getting your budgeting journey started . Calculate your income; list and label expenses" /> |
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| 12 | + <x-layout.open-graph title="How to start Budgeting?" description="Taking you through the simple steps you need to start budgeting. Understanding your net income and tracking your expenses is key to creating an effective budget" /> |
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63 | 63 | </div> |
64 | 64 | <div class="prose prose-lg prose-indigo mx-auto mt-6 text-gray-500"> |
65 | 65 |
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66 | | - <h2>1. Know what your net income is</h2> |
| 66 | + <h2>Know what your net income is</h2> |
67 | 67 |
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68 | 68 | <p> |
69 | | - Seems simple, right? Just remember your net income is what you take home after tax and |
70 | | - other costs such as pension contributions have been deducted. If you receive any benefits, |
71 | | - remember to add these into the pot. If you’re one half of a couple, you’ll have extra |
| 69 | + Seems simple, right? Just remember your net income is what you take home after tax and |
| 70 | + other costs such as pension contributions have been deducted. If you receive any benefits, |
| 71 | + remember to add these into the pot. If you’re one half of a couple, you’ll have extra |
72 | 72 | calculations to make. |
73 | 73 | </p> |
74 | 74 |
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75 | | - <h2>2. Start tracking your expenses</h2> |
| 75 | + <h2>Start tracking your expenses</h2> |
76 | 76 |
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77 | 77 | <p> |
78 | | - Before you even start a budget, you need to understand what you’re spending. It’s important that you |
79 | | - track everything – even those coffees on the way to work! Keep a note of all your expenses – |
80 | | - you can’t track expenses in your head! |
81 | | - |
82 | | - </p> |
83 | | - |
84 | | - <p> |
85 | | - You might be surprised by how expenses add up! Track your spending for at least a month so that you |
86 | | - have a good understanding of your expenses |
| 78 | + Before you even start a budget, you need to understand what you’re spending. It’s important that you |
| 79 | + track everything – even those coffees on the way to work! You might be surprised by how |
| 80 | + expenses add up. Track your spending for at least a month so that you have a good understanding of your expenses. |
87 | 81 | </p> |
88 | 82 |
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89 | | - <h2>3. List your expenses and label them</h2> |
| 83 | + <h2>List your expenses and label them</h2> |
90 | 84 |
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91 | 85 | <p> |
92 | | - Your expenses will fall into two categories: Fixed expenses are the ones which are always |
93 | | - the same and must be paid. Variable expenses can change from month to month and are not |
| 86 | + Your expenses will fall into two categories: Fixed expenses are the ones which are always |
| 87 | + the same and must be paid. Variable expenses can change from month to month and are not |
94 | 88 | strictly necessary – we call them the “fun stuff”! |
95 | 89 | </p> |
96 | 90 |
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97 | | - <h2>4. Choose your budgeting approach</h2> |
| 91 | + <h2>Choose your budgeting approach </h2> |
98 | 92 |
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99 | 93 | <p> |
100 | | - What works for one person, won’t work for everyone. There are |
101 | | - <x-helper.control.link.text :route="route('what-is-budgeting')" label="several different ways of budgeting" /> |
102 | | - and it’s up to you to decide which approach suits you. |
| 94 | + What works for one person, won’t work for everyone. There are |
| 95 | + <x-helper.control.link.text :route="route('what-is-budgeting')" label="several different ways of budgeting" /> |
| 96 | + and it’s up to you to decide which approach suits you. Our "What is Budgeting?" |
| 97 | + page outlines some of the different approaches to budgeting which might help you get |
| 98 | + started. <x-helper.control.link.text route="https://budget-pro.costs-to-expect.com/our-budgeting-story" label="Our Budgeting Story" :external="true" /> |
| 99 | + over on Budget Pro might give you further tips and ideas. |
103 | 100 | </p> |
104 | 101 |
|
105 | | - <h2>5. Start managing your money</h2> |
| 102 | + <h2>Start managing your money</h2> |
106 | 103 |
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107 | 104 | <p> |
108 | | - Ready for some more calculations? If the difference between your income and expenditure |
109 | | - is making money tight, you may have to make adjustments to your spending habits – |
110 | | - remember those variable expenses?! |
| 105 | + Ready for some more calculations? If the difference between your income and expenditure is |
| 106 | + making money tight, you may have to make adjustments to your spending habits – remember |
| 107 | + those variable expenses?! |
111 | 108 | </p> |
112 | 109 |
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113 | 110 | <p> |
114 | | - Now you’re well on your way to having an effective budget and managing your money so that |
115 | | - it works for you. If you’d like to use the Costs to Expect Budget App, check out |
116 | | - our <x-helper.control.link.text :route="route('getting-started')" label="Getting started" /> page. |
| 111 | + Now you’re well on your way to having an effective budget and managing your money so that |
| 112 | + it works for you. This app allows you to create a free budget. If you’d like more advanced |
| 113 | + budgeting features, check out the <x-helper.control.link.text route="https://budget-pro.costs-to-expect.com/getting-started" label="Getting started page" :external="true" /> |
| 114 | + over on our sister App, <x-helper.control.link.text route="https://budget-pro.costs-to-expect.com" label="Budget Pro" :external="true" />. |
117 | 115 | </p> |
118 | 116 |
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119 | 117 | </div> |
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