Follow these 3 tips to build a realistic budget. (via CNBCMakeIt)
One in 10 Americans without a budget say the biggest roadblock is that they don't know how to create one. But Tiffany Aliche, personal finance expert and founder of"I love budgets because I look at a budget as a 'say yes' plan," Aliche says. "Whatever it is that you're wanting, you can go to your budget and figure out how your budget can give you that thing."
If you want to go on a vacation, a budget can help you get there by showing you where you can save some money. Maybe it's possible by cutting off your cable for a few months or giving up trips to the salon. No matter what the solution, a budget can make managing your money easier.1. Make a list of all your monthly expenses
The first step, Aliche says, is to figure out what you're spending on. That means making a list of all your expenses, including both the fixed monthly costs, such as rent and utilities, and the more variable spending around food and gas. "I like to call that your money list. Quote me on that one," Aliche says with a chuckle.
To find all this information, start with your credit card bills and bank statements, Aliche says. You may need to go back a few months to get a handle on what you're regularly spending. Keep in mind that it may help to organize your spending into categories such as food, shopping and bills.Once you have a comprehensive money list, the next step is to calculate how much you spend on each line item.
Let's say your water bill is due every three months and it's 90 bucks. Divide $90 by three to get your monthly spend of $30.
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