𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗯𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴 is the process of understanding, organizing, and managing your income and expenses. It’s about knowing how much money you earn, where it’s going, and what you can do to improve your financial position. Budgeting gives you the clarity and control needed to make confident financial decisions.

𝗪𝗵𝘆 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴 𝗠𝗮𝘁𝘁𝗲𝗿𝘀
Creating and maintaining a personal budget allows you to:
▪ Address multitude of problems in our relationships that are a result of poor handling of money
▪ Creates a healthy relationship with money
▪ Focus on other important issues in life e.g relationships
▪ Creates a healthy legacy to help our children and loved ones manage their time and resources
▪ Understand your monthly spending patterns
▪ Identify irregular or unnecessary expenses
▪ Allocate money toward savings, debt repayments, or business investments
▪ Plan ahead for tax liabilities, seasonal income changes, or emergency costs
▪ Reduce financial stress by knowing your finances are in order