Create a Sustainable Budget System

Life SkillsIntermediateAnywhere

90 minutes

5 steps

·Intermediate

After 90 min: A clear budget that tracks spending and enables financial goals

What you need

spreadsheet or appbank statementsexpense trackercalculator

The 90-Minute Plan

Track0–15 min

Collect 3 months of bank and credit card statements

Categorize15–35 min

Sort expenses: housing, food, utilities, entertainment, savings

Calculate35–55 min

Total each category and allocate percentages using 50/30/20 rule

Plan55–75 min

Create budget spreadsheet with monthly targets and actual spending

Monitor75–90 min

Review budget monthly and adjust categories as needed

Pro Tip

Use 50/30/20 rule: 50% needs, 30% wants, 20% savings

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