But it’s really important to use as close to exact numbers as you can because it’ll make your budget as accurate as possible. Depending on how messy your finances are, this task may seem daunting. If you’re not sure what your expenses are since you haven’t budgeted before, go into your accounts online from the past 1-3 months and use the average number for each expense category. Examples include your rent/mortgage, gas, water bill, groceries, car payment, and student loans (think monthly bills and living expenses that are absolutely due during the month). Include debts in your non-discretionary expenses, too. Your non-discretionary expenses are expenses that you must pay. To do this, start by listing your fixed expenses (also known as non-discretionary expenses). Next, you need to list out all your monthly expenses. Step 2: Add up your fixed monthly expenses
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