Setting Up Your First Budget Category

Budgeting is not about restrictive limits — it is about deciding what matters to you before the month starts.

Step-by-Step Category Setup

1. Identify Variable Expenses: Focus on categories that change monthly (Dining, Entertainment, Shopping).
2. Review Past Spending: Look at your last 30 days to set a realistic baseline.
3. Set Threshold Notifications: Enable gentle reminders at 50% and 80% category capacity.

What to Do When You Overspend

Overspending happens. Instead of abandoning your budget, adjust adjacent category caps or roll over your remaining balance to keep momentum.