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How to Budget

How to Budget in Just 5 Simple Steps! (Free Printable Budget)

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Cover image of easy budgeting book

Stop Overspending Right Now with The Modern Mom’s EPIC Guide to Easy Budgeting!

Do you need a budget? Find out by taking the following quiz:

  1. Are you living paycheck to paycheck?
  2. Are you drowning in debt?
  3. Are you making bad purchasing decisions?
  4. Are you behind in your bills or do you get late fees on your bills?
  5. Do you wish you could save for the future, but you can’t?
  6. Are you afraid of the next big financial emergency because you don’t have any savings?
  7. Do you need help organizing your finances?
  8. Do you want to budget, but you don’t know where to start?
  9. Do you wish you could stick to a budget you have made?
  10. Do you feel like your finances are out of control?

If you answered yes to any of the above questions then you need a budget! Budgeting doesn’t have to be a pain.  It can be easy and you don’t need a degree in finance to figure it out. Anyone can do it! Find out how…

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How to Calculate Your Monthly Pay for Budgeting

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Dollars

Are you trying to create a budget, but having trouble figuring out your monthly income? Look no further!

Here is the complete guide to calculating your monthly pay, no matter how you earn your money. Remember to always use net income (or take home pay) when you are budgeting.

Monthly Income Calculation Guide by Pay Frequency

1. Monthly or Twice Monthly.

If you get paid monthly or twice monthly, the calculations are easy. But if your situation is more complex, then go to the next section.

Paid Once a Month: Monthly Budget Income = net pay amount on your monthly pay stub

Paid Twice a Month: Monthly Budget Income = net pay amount on paystub X 2

2. Hourly With Varying Hours:  

If hours are always the same each week: Monthly Budget Income = Net pay per hour X Hours per week X 4.3

(4.3 is the average number of weeks in a month based on the 12 month calendar.)

If hours are different each week: Monthly Budget Income = Calculate Net pay per hour X Hours per week for each week and add those totals together

Or look at past pay history and go with that.

3. Every Week:

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Easy 5-Step-Plan for the Cheapest Easter Ever! (Free Budget and Planner Printable)

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Have you ever gone to the store to get Easter supplies, planning to only buy a few things, but you end up buying the whole Easter section?  Ok, well maybe not the whole Easter section, but if you get up to the checkout and the total due surprises you, you might feel like you bought the whole Easter section.  If this is you, you might need a budget for the holiday. There is no need to overspend on Easter when there is an easy way to avoid it. With our free printable budget and planner, you can have an affordable and organized easter in just 5 steps.

Easy 5 Step Plan for the Ultimate Affordable Easter (with free printables!)

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