Budgeting Basics: What Worked, What Didn’t & How to Start

In this episode of Financially Speaking, Greg and Rachel break down the fundamentals of budgeting—perfect if you're starting from scratch, struggling to stick to a plan, or just want a fresh approach.

We cover:

• How we started budgeting (without any fancy tools)
• Free tools that worked for us—and ones that didn’t
• Why budgeting helped us feel free instead of restricted
• A 90-day hack to uncover your spending habits
• Budget categories you might be forgetting
• How budgeting helped us pay off debt, save a 12-month emergency fund, and even pay off our house

👉 Homework for next episode:
Track your monthly income, create your spending categories, and sort your purchases from the past month.

🎧 Next time: We’ll wrap up budgeting and dig into tackling debt head-on.

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