Monthly Budgeting from Scratch is a practical, beginner-friendly guide for anyone who wants to take control of their money and build a budget that works in everyday life.
Louise Blount explains how to calculate your actual income, understand where your money goes, organize essential and optional expenses, prepare for irregular costs, manage debt, and make steady progress toward your savings goals.
Inside this guide, you will learn how to:
- Calculate your real monthly income
- Track and organize your spending
- Create realistic spending limits
- Plan for bills and irregular expenses
- Build an emergency fund
- Balance saving with debt repayment
- Review and adjust your budget each week
- Complete a practical 30-day budgeting reset
With clear explanations, useful examples, worksheets, and repeatable budgeting methods, this ebook helps turn financial planning into a manageable monthly routine. Whether you are creating your first budget or starting again after previous attempts, it gives you the structure needed to make informed decisions and develop lasting financial habits.
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