Melica Niccole

Write about your approach to budgeting.

Budgeting can be very simple, especially if you take the time to identify useful tools to help you. One tool I find helpful is the use of spreadsheets.

For the last 10 years, I have kept a budgeting spreadsheet. This spreadsheet allows me to identify my upcoming bills. This includes credit card bills, rent, gas, and much more. It can be accessed on my computer or phone, which really helps. Keeping it on my phone allows me to make immediate updates due to changes in commitments and pay.

There’s also a way for you to set restrictions or notifications on your bank account which assists with notifying you when you account reaches a certain level. This is another way to budget and monitor your account at the same time.