How to Start a Budget


Saving money is like going on a diet: nobody likes to do it, but you feel the effort will be worth it down the line. However, these pursuits have something else in common. In both cases, working out a sustainable lifestyle rather than a binge effort can be healthier and more productive in the long run, and feel a lot less like torture in the early days. Starting to live on a budget or to eat a little healthier is the easy part. Making it last requires discipline, moderation — and a good plan.

Budgeting truly is about the long haul. Of course, you’ll have some short-term goals — a night out, a holiday, a house — but you probably also have a nagging voice at the back of your head whispering “security” (mid-term) and “retirement” (long-term). Thankfully, there is a science behind making a budget. Specifically, it’s mathematics, and if that word strikes terror into your heart then fear ye not: the internet is here to help. Websites such as You Need A Budget can tool you up with both the insight and the software you require to make a fundamental change in your relationship to money.

These are the basics. But an advanced level of economic self-awareness is not difficult to achieve. Check out this new infographic that runs through the whole process step-by-step. Prepare to feel your financial burdens gradually lift from your shoulders.

Don’t forget to download our Annual Budget Planner or visit our Budget Calculator, so you can start planning your finances today.




Bernard, T. (2010). Why a Budget Is Like a Diet — Ineffective.

Mapping your future. Start Budgeting.

You need a budget.

Money advice service. Beginners guide to managing your money.

Capitec (2015). learn from your bank statement.

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Barbara Davidson


Babs is a Senior Content Writer and financial guru. She loves exploring fresh ways to save more and enjoy life on a budget! When she’s not writing, you’ll find her binge watching musicals, reading in the (sporadic) Chicago sunshine and discovering great new places to eat. Accio, tacos! 


The information in this article is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness or fitness for any particular purpose. The information in this article is not intended to be and does not constitute financial or any other advice. The information in this article is general in nature and is not specific to you the user or anyone else.