Views:39 | By: Lenah Budgeting isn’t about restriction—it’s about freedom. Knowing where your money goes helps you take control of your life, not just your wallet. Here's how to start:

1. Know Your Income
Write down all sources of money coming in—salary, side hustles, gifts, etc. Know what you’re working with after taxes and deductions.
2. Track Your Spending
For one month, track every expense—big or small. You'll be surprised where your money quietly disappears. Use an app, notebook, or spreadsheet.
3. List Your Expenses
Break them into two groups:
a. Fixed (rent, transport, savings)
b. Flexible (food, entertainment, shopping)
4. Give Every Shilling a Job (Zero-Based Budgeting)
Assign every coin a place—whether it’s bills, saving, or treating yourself. No money should be “just floating.”
5. Adjust Monthly
Your budget isn’t set in stone. Review it every month. Life changes—your budget should, too.

Tips:
Always budget for savings—even a small amount counts.
Don’t forget “once in a while” expenses like gifts or school fees.
Include fun money—this helps you stick to your plan.