Hi Reader!

I can’t pinpoint the exact moment I started budgeting, but I know it happened around the time I began blogging and found my passion for writing about personal finance.

One thing is clear: budgeting completely transformed our financial life and reshaped my spending habits in ways I never anticipated.

At first, I was simply tracking our expenses with an expense tracker, which helped me see our total spending each month. But I quickly realized something was missing.

Once I learned more about budgeting, I discovered that this was the tool I needed to take control and be more intentional with our money.

And now?

I talk about budgeting like it's second nature—it's become one of my favorite topics to share in nearly every post and newsletter.

My mission is to show women like me just how powerful budgeting can be and how it can truly change both your financial life and mindset!

Now, I genuinely enjoy making those decisions. It brings clarity, and I know exactly what steps I need to take. When I haven’t made a decision, I feel stuck, unable to move forward. But making a decision helps me shape my life consciously and actively. I feel empowered, taking responsibility for what I choose to do instead of just reacting.

This mindset applies to everything in life, and especially to finances. That’s why I’m such a fan of budgeting. I’m the one in charge of my money and the one who takes responsibility for it.

I am confident that you are capable of doing the same.

Last night, I thought of a new way to describe budgeting: it’s like deciding what to pack for a trip when you have limited space in your suitcase.

You simply have to make choices about what’s most important 🙂!

If you’re feeling overwhelmed by your expenses, it’s time to make some new decisions—even if they feel a bit uncomfortable at first. This is a normal part of the process. Our brains don’t always like change! But once you’ve given it a bit of time, your rational brain kicks back in, and you’ll start to feel much more in control.

And of course, I’m here to help make it easier for you!

​Here’s the most straightforward guide for women to start budgeting like a pro.​

My 2 Power Tips for Budgeting Like a Pro:

1. Track Your Expenses Daily: Spend just 10 minutes each day logging your expenses. This simple habit helps you stay aware of your spending and make adjustments as needed.
2. Set Realistic Limits: When setting up your budget, aim to stay under your budgeted amounts rather than over. This approach builds a buffer and keeps your goals realistic.

My Recommended Budgeting Tools:

• ​Your First Dollar Financial Planner​
• ​Dollarbird​
• ​YNAB​

Don’t forget to download your Free Budgeting Starter Kit to get started today! This kit will help you take the first steps toward budgeting with ease and confidence.

Thank you for being a part of our community!

I am here to support you on your journey to financial freedom.

Until next time!

Katja

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P.S.: Ready to learn more about wealth building? Join the Bean Wealth!​

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