Create a budgeting system that actually works

FinanceBeginnerAnywhere

90 minutes

5 steps

·Beginner

After 90 min: You'll know exactly where money goes and gain control over discretionary spending.

What you need

Spreadsheet or appBank statementsNotebookCalculatorHonesty

The 90-Minute Plan

Track all expenses0–15 min

Use app (YNAB, Mint) or spreadsheet for 1 month. Don't judge, just document.

Categorize spending15–35 min

Fixed (rent, insurance), variable (food, gas), discretionary (entertainment, coffee).

Set realistic limits35–55 min

Based on past spending, set monthly limits per category that feel achievable.

Allocate remaining income55–75 min

50/30/20 rule: 50% needs, 30% wants, 20% savings/debt repayment. Adjust to your life.

Monitor weekly75–90 min

Check spending midweek. Adjust if trending over. Celebrate wins. Review monthly.

Pro Tip

Automate transfers to savings before money can be spent on wants.

90 min·5 steps

FinanceBeginner

After 90 min: Create a realistic monthly budget and commit to it

5,400

see the plan

90 min·5 steps

FinanceBeginner

After 90 min: Save 3 months of expenses for financial security

4,600

see the plan

90 min·5 steps

FinanceBeginner

After 90 min: You'll understand credit mechanics and strategically raise your score 50-100 points.

7,900

see the plan

90 min·5 steps

FinanceIntermediate

After 90 min: You'll understand asset allocation and create a portfolio aligned with your timeline and risk.

9,800

see the plan