Welcome to LeSecretsDeLaMode! In today's video, we'll dive into the basics of budgeting and show you how to create your very first budget from scratch. If you're new to budgeting or want to get your finances in order, this guide is perfect for you.

This is what we will cover:
0:00 – introduction

0:38 – View your monthly income: Learn how to accurately calculate your monthly income, whether you're employed or hourly.
0:58 – Identifying your debts: We'll help you list all your debts and minimum payments so you can get a clear picture of what you owe.
1:16 – Calculate fixed expenses: Find out how to keep track of regular monthly costs like rent, groceries, utilities, and insurance.
2:07 – Track non-fixed expenses: Understand how to manage variable expenses such as dining out, shopping, and subscriptions.
3:00 – Setting Future Savings Goals: Learn the importance of saving for future goals and how to incorporate them into your budget.
3:13 – Creating a Diverse Buffer: Find out how to prepare for unexpected expenses without derailing your budget.

Balancing Your Budget: Tips for making sure your total monthly expenses are less than your income and how to adjust if you're overspending.

By the end of this video, you'll have a good understanding of how to create a budget that works for you and helps you manage your money better.

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If you have any questions or tips about budgeting, leave them in the comments below! I like to hear from you.

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