![]() ![]() ![]() The biggest challenge for many people is developing a budget that takes a big-picture view of household finances, says Jonathan Clarke, associate professor of finance in the Scheller College of Business at Georgia Tech. Earmark your income for your needs first and any money left over can be spent on wants. Then, categorize those expenses according to whether they are needs or wants. "To get started, you need to write down all of your expenses, from your home payment to the coffee you got on your way in to work," Casper says. While budgeting apps and software are popular, you don't need anything more than a pen and some paper to write a budget. Once you are ready to start making your budget, the following free tools will make the process easier: ![]()
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January 2023
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