If you’ve already adjusted your spending on wants, evaluate your spending on needs. Can you skip movie night in favor of a movie at home? Try adjusting the numbers you’ve tracked to see how much money that frees up.
Want-to-have expenses are the first area to look for spending cuts. Having documented your income and spending, you can start to see where you have money left over or where you can cut back so that you have money to put toward your goals. Once you’ve done all this, you have what you need to complete your budget.
