If you tracked your expenses or made a budget last year, compare your current spending habits to your previous ones and look for any changes. There might be some large changes if you purchased a home or had a baby. Maybe you just have small changes like getting coffee before work every morning instead of only 1 or 2 days a week.
Take a few minutes to make a new budget that reflects your current spending habits. If you spend more in one area than you want, budget less money than you are currently spending and make a plan to stay within budget.
If you are totally averse to making a budget, you should set aside at least 10% of your income in a savings account to serve as an emergency fund & you can use the remaining money to pay your bills and other monthly expenses. This “unbudget” concept allows you to still live within your means.
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