![]() You’ll need a spreadsheet or a budgeting app, such as Mint or You Need a Budget, for this one because it involves tracking and doing some math. How it works : You think about your budget in buckets according to a hierarchy of importance. Here are five of the most popular budgeting techniques touted by professionals-and how they fared in our testing. “The most important thing is that you pick a strategy that really resonates with you.” The more comfortable you are with that strategy, you’re more likely to implement it and stick with it. “Everybody’s different,” says Greg Giardino, a Tarrytown, N.Y.-based certified financial planner. One thing they stressed: There’s no one-size-fits-all budgeting solution. ![]() My main objective with my money is to make sure I’m taking care of my expenses while also saving for a down payment on a house.įor help, I turned to certified financial planners. I’m a married 30-something with no children who lives in New York City. But that can be a time-consuming process, so we put the most popular budgeting methods through our testing process over several weeks to see which ones work best for a regular person. To sort out which type of budget might work best for you, and if you need a budget at all, can take some experimentation. There are just about as many approaches to handling your daily finances as there are to counting calories. Trying to get your spending under control? Just like with dieting, it can help to add some structure by following a plan, especially if your budget is likely to be bigger because of inflation, as The Wall Street Journal newsroom has advised.
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