FandK SavingsMarch 10, 2021 · 2 mins read
Do you have problems budgeting consistently? Then this is for you.

If you walk down a street and ask ten people whether a budget is important, odds are on that almost everyone you ask would agree. If you then follow up by asking how many of them consistently budget, you’d find that the number would drop consistently.

You might think “Well, that’s an interesting hypothesis but how accurate is that?” Well, we tested it by asking ten colleagues those exact questions. Ten of them admitted to recognizing just how important a budget is however only three of them were consistent at creating a budget.

The truth is almost everyone recognizes the importance of budgeting, but it is an activity a lot of people struggle to do consistently. We’d go out on a limb to say you are reading this piece because you struggle with budgeting consistently too.

You see, a way to hack consistent budgeting is by finding the tool, the option that works perfectly for you, It could be as simple as noting what you spend your money on. It can also be as fancy as making use of an app, several very helpful tools can make your budgeting process as sweet as a walk in the park and we explore them below:

Traditional Budgeting

Sometimes, simple is best. If you want the most basic way to keep track of your finances, try out good ol’ pen and paper. Well, maybe not a paper but a journal because a paper can get lost easily. The whole idea is to have a grasp of the picture of your financial life. So, if you are the type who loves the feel of a book in your hands and putting a pen to paper, you can find the traditional budgeting process enjoyable and easy to stick with.

Online Tools

There are diverse online budgeting tools that have been designed to make life easier as long as you have smart devices. The good part is that most of these tools are self-running, all you need to do is to fill in your details and watch your finances take proper shape. Some even take it a step further by making it personally customizable. Similarly, because you may have peculiar reasons and goals in mind for your budgeting, some tools may be more suitable for you. Below are a few examples to help guide you in the tool selection process;

●       Quicken; This is more or less an all-encompassing budgeting tool. It has been built in such a way that all your financial activities are constantly tracked and in total sync. So, all your expenses, investments, financial reports are easily accessible.

●       Mint; With mint, you can track all your income, expense, asset, and even network at no cost. Quite similar to Quicken, Mint has a more socially synced version. Additionally, it gives you information about proper budgeting, financial trends, and the likes.

●       Personal Capital: This is a tool highly beneficial in tracking particularly your investments and bank accounting activities. Also, your expenses are categorized such that you no longer have to do that manually.

Other online tools you can check out are; Float, Planguru, Gide, and Maxiplan.


Budgeting features are being attributed to cards; either credit cards or other types. That way you have your card financial activities broken down for you online.


Finally, spreadsheets are another amazing way to effectively structure your finances. There are different spreadsheet platforms you could employ like excel, google sheets.

Budgeting should not be hard. The whole idea is to find the style which works for you and then run with it. Remember that the result of budgeting is truly what matters and you can never go wrong with being organized in your finances.

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