Bugeting is simply balancing your expenses with your income. Creating and following the budget will get you closer to your goals and help you to avoid a lot of stress. Many people dont realize that they spent more than they earn and slowly sink into deeper depts.
There are many ways how to create a budget (pen and paper, spreadsheets, software/apps). Try different options and choose a tool that suits you the best. The more complicated the budgeting process, the less likely you are willing to keep up with it.
1. Planners built into your banking account
Log in into your Swedbank account and find the section My Budget.
2. Apps for iPhone and Android smartphones
3. Google spreadsheet/excel
Download file: Personal-Monthly-Budget.xlsx
If you would like to use the table in Google Spredsheet then import the file like this: