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Build a budget in 30 minutes

A quick-start guide to set up categories, targets, and rollover.

8 min read
Notebook with budgeting notes on a desk.

Start with the last 60-90 days

Your recent spending is the fastest way to build a realistic budget.

Use the latest transactions to understand what is essential vs flexible.

  • Pull last 2-3 months of expenses.
  • Tag recurring bills and fixed costs first.

Create fewer, clearer categories

Too many categories creates busywork.

Aim for 6-10 categories you can actually manage weekly.

  • Merge similar categories (e.g., Dining + Coffee).
  • Keep one buffer category for surprises.

Set targets and enable rollover only where it helps

Rollover works best for variable categories like dining or travel.

Skip rollover for fixed bills so the plan stays stable.

Review weekly, adjust monthly

Weekly check-ins catch drift early.

Monthly adjustments keep the system simple.