The Only 3 Budgeting Tools You Need

Holy cow is your brain spinning from trying to figure out which budgeting tools you need to get started with budgeting? There seems like there’s a million options and how do you know which ones will work for you?

Allow me to simplify this for you. In today’s post, I am sharing with you the only 3 tools our family successfully used to once and for all set and stick to a budget so we could stop stressing about money and start living a better life!


When you’re trying to figure out how to start a budget, you need to know what budgeting tools you need. Here are 3 FREE budgeting tools for beginners that will get you started today!


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The Only 3 Budgeting Tools You Need


1) Account Tracker

The first thing you need for a budget (after you figure out your goals) are the numbers. You need to know how much your making and how much your spending every month. 

You could do this manually by looking through your bank and card statements and using a calculator to add up all the numbers… 

Or you could use the gift that we now have called the internet! For this our family for the past ten years has used Mint.com to track our spending through our debit and credit cards. You easily connect all your accounts in one spot and Mint tracks and categorizes everything for you in seconds. 


2) Budgeting for Beginners Starter Kit

Getting your budget started is as simple as writing down how much you spend every month and how much you make every month. Then comparing the two and figuring out how much you have (or don’t have) left over. 

You can do this on a blank piece of paper or I have a free Budgeting for Beginners Starter Kit that you get as a free download when you sign up for my free email newsletter. 



Having this number comparison is a huge eye opener! When we first did this several years ago we were sick to our stomachs when we realized how much we were over spending!

The good news is that when you go through this process you also uncover spending categories where there are opportunities to save a lot of money and decide to spend somewhere you care more about, like your goals! 

We realized that we could save hundreds of dollars every month if we were more intentional with how we spent our money!


3) Cash Envelope System

Game changer! If you have a hard time sticking to your budget, using a cash envelope system is a game changer!

Some people think that a cash budget doesn’t work for them. Here’s the thing though, most of those same people can’t figure out why they keep overspending. A cash budget is supposed to make spending inconvenient. 

Not everything needs to be cash. Bills that you pay online, don’t make an envelope for those. Anything that you go into a store to buy, that should be cash! Using a cash envelope budget creates a physical reminder that you don’t have endless amounts of money flowing from your bank account.

Get out some paper envelopes and get started! I also have some really cute printable envelopes you can get here.


No More Excuses!

Sorry not sorry! There is literally zero excuses as to why you haven’t started a budget yet. I just listed out the three tools you need to get started and they are all something you can very easily use starting today!

Which one are you going to use first? Let’s chat down in the comments and let me know if you have any other questions!

Talk to you soon! Xoxo



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