Managing your budget is essential to avoid unpleasant surprises at the end of the month.
- List your sources of income (salary, benefits, pensions) and your fixed expenses (rent, subscriptions, insurance).
- Identify your variable expenses (food, leisure, shopping) and set realistic limits for each category.
- Use this tool to track your daily expenses, categorize your purchases, and keep a clear view of your budget.
- Plan some savings, even a small amount, to cover unexpected events.
- Reevaluate your budget each month and adjust it according to your goals (travel, big purchases, paying off debts).
Example: Gabriel reduced his going-out expenses by €30 a month by cooking meals at home, which allowed him to save for his holidays.