9 Ways to Create a Monthly Budget if You Don’t Have One

7) Don’t Stress

If you’re not accustomed to working with a monthly budget, don’t stress out. It may take some time to adjust to managing your money this way. If you feel pressured about it, take it in stages and take your time with it. You could start out by just making a list of all the bills you have on a regular monthly basis. Then make sure you’ve got all of those covered. It may take some time to adjust to changing your flexible spending habits. Start by making small changes. Can you make coffee at home and get yourself a good thermal to go cup? You might be surprised how something that small can add up in the long run. Some places will even give you a free refill if you have your own cup. Don’t get overwhelmed by the prospect of change. Take it one step at a time.