Back when I played college football, I remember one of the most important keys to winning was preparation. Well, let me ask you this: Have you ever reached the end of the month and wondered where all your money went?
But you probably spent them on a daily coffee, eating out, a movie or two, and who knows what else.
With a budget, you simply take your monthly income and then subtract every single one of your expenses. So if your monthly take-home pay is $3,000, I want you to write that down at the top of a blank sheet of paper.
Once your income minus your outgo equals zero, then you’ve completed your first zero-based budget. Here’s the best part: When you start budgeting, you’ll feel like you’ve been given a raise. A popular and dynamic speaker on the topics of financial education and leadership, Chris Hogan also works with businesses and high-profile clients across the country helping them develop strategies to increase revenues, build wealth, and secure their financial futures.

Founded in 2007, STRATEGY Magazine, LLC, a media firm based in Atlanta, has grown to become the go-to resource for total life strategies. Explore the BBC News News Sport Weather Shop Earth Travel Capital iPlayer Culture Autos Future TV Radio CBBC CBeebies Food iWonder Bitesize Travel Music Earth Arts Make It Digital Taster Nature Local Terms of Use About the BBC Privacy Policy Cookies Accessibility Help Parental Guidance Contact the BBC Advertise with us Ad choices Copyright © 2016 BBC. All those small purchases add up quickly and, eventually, you’ve got hundreds of dollars unaccounted for. Every single dollar should “have a name.” Think about your bills, your savings, your charitable donations, and the money you just want to have fun with. It will take a little time, usually around three months, to get the budget the way you want it.
EveryDollar is an easy-to-use, free iPhone app that will help you make the perfect budget for your situation. Connecting readers with the experts, products, services, and success stories they need to live life with purpose is that for which the firm and its publications have become best known.
It’s a game plan for your money because you’re telling your money where to go and how you’re going to spend it.

It’s one of the newest online budgeting tools on the market, and it’s free and easy to use.
You’ll have to adjust some categories here and there, but you’ll eventually get the hang of it.
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