{"id":1310,"date":"2022-10-24T14:46:14","date_gmt":"2022-10-24T11:46:14","guid":{"rendered":"http:\/\/www.woli.io\/it\/?p=1310"},"modified":"2022-10-24T14:49:40","modified_gmt":"2022-10-24T11:49:40","slug":"budgeting-methods-what-suits-me","status":"publish","type":"post","link":"https:\/\/www.woli.io\/it\/blog\/budgeting-methods-what-suits-me\/","title":{"rendered":"Budgeting methods. What suits me?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When you have distinguished your needs from your desires, you have already set priorities and goals and you know your income, it is time to record everything and fix your budget. Like all procedures, the budget has several methods that you can follow. Here are some of the most common methods to check how they fit your style:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Zero-based budget:<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The central idea is simple. Spend the amount of income you have and in the end the balance (your difference) will be zero. It is an ideal method for those who have a stable income (monthly or weekly), their expenses are about as much as their income and they cannot or do not want to save.\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>I pay myself first budget:\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It focuses on repaying debts and trying to save. According to this method, first you calculate an amount for saving or repaying debts and the balance that will remain will be used for your expenses.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Envelope system budget:\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It is very similar to the zero-based budget with a big difference. You use specific folders (real or digital) where you have budgeted and placed the corresponding money per category. For example, in the folder for entertainment you may have put 50 euros. When you spend them you will know that you will not be able to spend any more.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>The 50\/30\/20 budget:\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Another fairly simple idea. You divide your expenses into three major categories:\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Necessary expenses (50%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Remaining non-essential expenses (30%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Saving and repaying debts (20%)<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">It is an ideal method for those who first start recording their budget because it gives them a basic orientation. Of course the percentages can be changed depending on your needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Which method would you choose? Think about your needs and goals, try the different methods and step by step you may end up with one of the proposed ones or another method that you will shape yourself\u00a0 and which you will be able to follow consistently.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you have distinguished your needs from your desires, you have already set priorities and goals and you know your income, it is time to record everything and fix your budget. Like all procedures, the budget has several methods that you can follow. Here are some of the most common methods to check how they [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1309,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[63,15],"class_list":["post-1310","post","type-post","status-publish","has-post-thumbnail","hentry","category-financial-decisions-2","category-teens"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Budgeting methods. What suits me? - woli.io italy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.woli.io\/it\/en\/blog\/budgeting-methods-what-suits-me\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Budgeting methods. What suits me? - woli.io italy\" \/>\n<meta property=\"og:description\" content=\"When you have distinguished your needs from your desires, you have already set priorities and goals and you know your income, it is time to record everything and fix your budget. Like all procedures, the budget has several methods that you can follow. 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