Build a Budget That Sticks

FinanceBeginnerHome

90 minutes

5 steps

·Beginner

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

What you need

spreadsheet appbank statements

The 90-Minute Plan

Track Your Income0–15 min

Write down all sources of money you receive monthly: salary, side gigs, freelance work.

List Your Expenses15–35 min

Go through the last 3 months of bank transactions. Categorize into: housing, food, transport, entertainment, savings.

Apply the 50/30/20 Rule35–55 min

Allocate 50% to needs, 30% to wants, 20% to savings. Adjust for your actual spending patterns.

Set Up Tracking55–75 min

Create a simple spreadsheet or use an app like YNAB. Enter your budget categories and limits.

Make Your Commitment75–90 min

Review your budget one more time. Write down 3 ways you'll stay accountable this month.

Pro Tip

Leave 5-10% wiggle room for unexpected expenses.

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 know exactly where money goes and gain control over discretionary spending.

8,600

see the plan

90 min·5 steps

FinanceBeginner

After 90 min: Know how stocks work and why people invest

2,800

see the plan

90 min·5 steps

FinanceBeginner

After 90 min: Launch your first side project and earn $100+ monthly

4,100

see the plan