Tips to make budgeting easier. Plan ahead. Write the budget down or use an app. Use a shopping list. Cash and debit preferred to credit cards. Empty the refrigerator or cupboards every now and then. Enjoy

Tips on planning your budget. Give every dollar an agenda before payday. Itemize income and expenses. Do not spend every dollar you earn. 20% Save. 10% Tithe or give to charity. Other 70% for your expenses. Cut back things that you can do without. Live money smart