Budgeting doesn’t have to be complicated. With a few simple habits, you can control your money — instead of letting it control you.
- Write down all income and expenses — yes, even daily snacks and airtime.
- Prioritize essentials: food, rent, transport — needs before wants.
- Calculate total spending — and look for areas to cut.
- Cancel or reduce non-essentials: unused subscriptions, impulse buys.
- Set a spending limit for each category — and track it weekly.
- Stick to your plan — like a diet, it only works if you follow it.
Budgeting is just planning ahead. Start small, stay consistent, and you’ll feel more in control with every step.