Create a Simple Plan That Actually Works in 2026
In 2026’s uncertain economy, budgeting is your financial superpower.Start with the 50/30/20 rule: 50% needs (rent, food), 30% wants, 20% savings/debt.
Step 1: Track expenses for one month using apps like Mint or PocketGuard.
Step 2: List income and fixed costs.
Step 3: Adopt zero-based budgeting—assign every dollar a job.Common pitfalls: Forgetting irregular expenses (e.g., holidays) or lifestyle creep.
Pro tip: Use AI-powered apps for auto-categorization.
Challenge: Follow your budget for 30 days. Adjust as needed.A solid budget reduces stress and builds wealth.
Start simple, stay consistent.
