Want to budget your money and save for the future? Tune into this week's podcast episode to find easy ways to do that even without a steady income stream!  

In this episode, Lavran and Andrew talk about different methods of budgeting and saving for long-term financial goals such as a major purchase like a house or even longer off like retirement. It is important to budget your money no matter your job, income level, or age.  You might be asking, "how do I get started?" We recommend trying to assign a set percentage of your monthly income to various savings areas (emergency fund, retirement account, etc.). Additionally, you want to budget a percentage of your income toward your common expenses. These include things like rent, food, electric, phone, utilities, and much more depending on your lifestyle choices.  

It's smart to set realistic percentages for each of these expenses, but try to push yourself to spend less and save more as we enter into this new year. You'll find that it's actually pretty easy to cut down on things like groceries or subscriptions if you budget your money well and stick to it.  

Now this all sounds pretty daunting, but make sure you keep it fun! Give yourself some space to spend money on things you enjoy doing, whether it's going to see a show (COVID dependent), eating at a restaurant with friends, or other activities. Put fun into your budget, especially if you're trying to go on a family vacation in the near future. You can have the balance between your critical expenses and your fun ones.  

If you're new to budgeting or haven't done it in a while, it's as simple as making a spreadsheet and playing around with some numbers. Come up with a plan that works for you, stick to it, and see the positive results come through over the course of this year.  

Thanks for watching, be sure to like and subscribe if you haven't already, and happy budgeting!  

App to consider: YNAB  

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