Budgeting Methods
50/30/20 Rule
- 50% needs (rent, utilities, food)
- 30% wants (entertainment, dining)
- 20% savings/debt
Zero-Based
Every dollar assigned a job. Income - expenses = $0Pay Yourself First
Save first, spend what's left.Envelope System
Cash in envelopes for each category.Best Budget Apps 2026
| App | Best For | Price |
|---|---|---|
| YNAB | Zero-based | $15/mo |
| Monarch | Couples | $10/mo |
| Copilot | Apple users | $10/mo |
| Mint | Free option | Free |