Budget Tool #1: Notebook Listing

Budget Tool #2: The Envelope Tactic

Envelopes are a classic form of budgeting and require planning by paycheck. It includes having an envelope, preferably an accordion envelope. On each fold of the accordion envelope, write out each of your expenses and their respective amounts due for that particular pay date. Every time you are paid, withdraw the total of all of your bills due and insert the cash in their separate slots. You will most likely need a new envelope every pay day. Just to note, you can cut costs by purchasing these envelopes inexpensively at a convenience store.
Budget Tool #3: Spreadsheets

Budget Tool #4: Mint

Budget Tool #5: MoneyStrands.com

Budget Tool #6: Acorns

Budget Tool #7: GnuCash

Budget Tool #8: My Spending Plan
Budget Tool #9: Expense Bank Accounts
Budget Tool #10: BudgetSimple

Budget Simple gives you access to see where your money is going. The online program or app helps with the process of managing your money. It analyzes your finances, helps you create a budget planner, and suggests where you can cut expenses or grow savings.
These strategies of budgeting your money are wonderful and worthwhile tools to use. We now live in an economy where our expenses sometimes exceed our income and the process of budgeting will help us know what we have to spend. Prevent the stress of not being able to pay your bills on time and start taking charge of your financial future!