Half your income covers basics — rent, bills, food, and healthcare. These things keep your life running smoothly.
This is your fun money — eating out, hobbies, movies. It’s okay to enjoy life and still stay on track.
Set aside at least 20% for savings, paying off debts, or investing. This builds your safety net and dreams.
Figure out your take-home pay. Then split it: 50% needs, 30% wants, 20% savings. Adjust as life changes.
Don’t stress if it’s not perfect. Track your spending and tweak your budget to fit your lifestyle.
Big life changes? Time for a budget check-up! Keep your plan working for you as things evolve.