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Successful budgeting can be summed up in a single key principle: Live below your means. One often hears how important it is to live “within one’s means,” but this isn't good enough. Such a level of spending makes saving impossible. In order to save, you must learn to be happy living below your means (i.e. spending less on fun than you are actually able to spend, given your income). You can’t save if you don’t earn! Until you begin your career, make sure to set your sights on well-paying  employment and/or side hustles that will enable you to live comfortably and happily well below your means. Until you earn average local income, save at least half of each paycheck after taxes and essential expenses are paid (your “disposable income,”) and spend the rest on whatever you want. The Rule of Fourths Once you’re earning above average income, budget roughly one fourth of your gross earnings (total income, before any deductions) into four major categories: 1. Taxes ...

Successful budgeting can be summed up in a single key principle: Live below your means. One often hears how important it is to live “within one’s means,” but this isn't good enough. Such a level of spending makes saving impossible. In order to save, you must learn to be happy living below your means (i.e. spending less on fun than you are actually able to spend, given your income). You can’t save if you don’t earn! Until you begin your career, make sure to set your sights on well-paying  employment and/or side hustles that will enable you to live comfortably and happily well below your means. Until you earn average local income, save at least half of each paycheck after taxes and essential expenses are paid (your “disposable income,”) and spend the rest on whatever you want. The Rule of Fourths Once you’re earning above average income, budget roughly one fourth of your gross earnings (total income, before any deductions) into four major categories: 1. Taxes ...

Successful budgeting can be summed up in a single key principle: Live below your means. One often hears how important it is to live “within one’s means,” but this isn't good enough. Such a level of spending makes saving impossible. In order to save, you must learn to be happy living below your means (i.e. spending less on fun than you are actually able to spend, given your income). You can’t save if you don’t earn! Until you begin your career, make sure to set your sights on well-paying  employment and/or side hustles that will enable you to live comfortably and happily well below your means. Until you earn average local income, save at least half of each paycheck after taxes and essential expenses are paid (your “disposable income,”) and spend the rest on whatever you want. The Rule of Fourths Once you’re earning above average income, budget roughly one fourth of your gross earnings (total income, before any deductions) into four major categories: 1. Taxes ...