Budgeting articles

Everything you need to know about budgeting!
I have written quite a bit about budgeting since I consider it to be a key component to getting our finances under control. Just like most people, I always hated the idea of budgeting, but once you get a better understanding of the freedom that comes with using a budget you fall in love with it. Or at least I have. 😉

This page will show you how to budget with various methods and everything else you want or need to know about budgeting. If you are just getting started I would suggest reading How to make a budget. From there I would consider getting some free budget software or download a household budget template.

Other articles about budgeting tips and tools

How to budget with ING Direct
10 tips for a better budget

Money management tips for beginners

Budgeting is like baking cookies
How to budget with the envelope system
How to manage your bill payments
How I organize my bank accounts
How to quit spending more money than you make
Free budgeting form

7 Free budgeting worksheets

Even more articles about how to budget
To read even more just keep scrolling and you will find more articles about budgeting.

Why Money Doesn’t Solve Money Problems

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

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How to Budget When You And Your Spouse Don’t Agree


Note from Bob: I just want to welcome our new writer, Lynnae. She’s been writing about personal finance and money management longer than I have and has some great wisdom to share. Please join me in welcoming her to the SeedTime team! Setting a budget is one of the first steps in gaining control of […]

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How to quit spending more money than you make


So you want to learn how to quit spending more money than you make? Here are a few ideas that have helped me…

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10 Free Household Budget Spreadsheets

A bunch of free budgeting spreadsheets available to download

Someone asked me to share my favorite free household or personal budgeting spreadsheets… Each one of these budgeting templates are free… If you use OpenOffice (basically a free version of Microsoft Office)…

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How Should a Teenager Handle Saving vs. Spending?

Saving vs. Spending

The saving vs. spending transition is something of a rite of passage every teenager needs to experience in order to get on the road to financial security and independence later in life. But it’s also a surprisingly difficult lesson to learn, since saving money is a major component of money management overall, and teens are usually seeing for the first time.

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5 Questions to Ask Yourself Before You Even Begin to Budget


Your budget has to make sense to you or you are never going to use it. Just because you found some cool spreadsheet online does not mean that you are now good to go. If you do not make it your own, it won’t go anywhere.

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How the 80/20 principle applies to your money


You’ve probably heard of “the 80/20 rule.” The technical term for this common phrase is called the Pareto principle, named after . . . you guessed it, a man named Pareto . . . .

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$500 a Month You Might Be Overlooking

An extra $500/m that you may be missing

Would an extra $500 a month help? Of course. And it is possible that you already have that $500; you simply need to corral it and use it.

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4 Budgeting Tips for the Self-Employed (or Those with Irregular Income)

4 budgeting tips for those with irregular income

Working for yourself can be one of the most rewarding things you could ever do, but it can also be the scariest. It is exciting to wake up and know that you are writing your own W-2 for the year. No boss to answer to (unless you are married). Life is great. If things go as planned, you start to see money coming in the door. Then you quickly discover something very important: managing your money is even more critical.

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How to Rebuild a Bigger and Better Emergency Fund

how to rebuild your emergency fund...

What do you do when an emergency has occurred and you have had to use part – or all – of your emergency fund? When it is time to rebuild, here are some things to make a priority.

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How to Buy “Throw Away” Cars

How to buy "throw away" cars that look nothing like this beautiful convertible ;)

Some people do not want to drive older cars (especially when they are not nice looking), but I am content to do so, especially while we are working so hard on building a financial foundation. If you want to look for a “throw away” car, here are some things to keep in mind.

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Is it Really Okay to Make Budgeting Mistakes?

imperfect budgeting

Do you feel like if you were to start a budget, you’d fail? Or maybe you’ve been frustrated by past failures. You started a budget, but you just couldn’t keep up with it. Dare I say, many of us have probably struggled with budgets in the past. I’m certainly no exception.

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How to Brainstorm the Best Budget Categories

budget category brainstorming

I’ve had friends ask me, “How many budget categories should I have?” The answer is somewhat cryptic: “As many as you need to save as much money as possible, but no more.” Here’s what you need to know . . . .

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7 Tips To Be A Smart Black Friday Shopper


Retailers are intelligent, but you can outwit them by being a smart Black Friday shopper. Here are some of the best tips I’ve come across to save money and get the best deals.

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