I'm finally sharing my budgeting template and ALL about how to budget for the new year! This video is designed for budgeting beginners who want a budgeting 101 crash course on creating savings goals, planning your spending, & tracking all of your money. I hope these tips on budgeting, saving money, & other financial tools I use are helpful! For me, budgeting has been empowering to understand where my money is going, and to help inform my financial decisions to ensure I'm spending my money in a way that aligns with my future savings goals. // GET THE FREE TEMPLATE by filling in your email here (it will be sent to you immediately): https://stan.store/morganyates
(I actually got this template from my best friend Caroline whom some of you guys know, so thank you to her!)

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TIME STAMPS:
0:00 Welcome to Budgeting 101! What we're going through in this video...
1:07 Introducing my budget spreadsheet (& downloadable template)
2:01 Master page tracking / understanding where your salary is going & budgeting terminology
3:00 How to create realistic savings goals
3:55 How I track my ongoing savings categories
5:35 Introducing my monthly spending spreadsheet
5:48 Calculating your fixed costs
6:48 Determining your discretionary spending amount & creating category budgets
7:50 How I track & categorize each purchase using my budget template
9:51 Estimating future spending to plan for the month
10:39 My budgeting tips to get the most out of it
11:11 How I separate purchases from savings vs. from monthly budget
12:14 Additional financial tools we use: shared income/savings spreadsheet
12:56 Benefits of tracking monthly utility costs over time
13:27 How I make informed financial decisions through detailed tracking
14:24 Looking ahead to 2024...

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