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Over the past 18 months, Americans have faced uncertainty surrounding work and health, forcing many to put planning and savings to the side. No matter your income, building a budget will help you get a clear picture of where your money is going. Are you spending too much on certain discretionary items? Is there the potential to put more money into savings and retirement? It can be difficult to get a handle on where money is flowing, but a budget can simplify that process.
|How to get started
There are various online resources for building a first-time budget. You could use an online template from Quicken, NerdWallet or Microsoft or you can create your own using one of the many spreadsheet tools on Windows, Google or Mac or even pen and paper if that is your preference.
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