Kevin’s Templates

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HOW TO BUDGET FOR BEGINNERS 💸✨

Budgeting as a beginner starts with getting the basics right. I know my numbers, create a simple plan, and adjust as needed to stay on top of my finances. These steps help me feel more in control and confident with money. Swipe to learn how to start budgeting today! 🌟

#lemon8partner #moneytips #personalfinance #nobuy2025 #moneygoals

2025/4/5 Edited to

Budgeting is a crucial skill for managing your finances effectively. A solid budget allows you to allocate your resources wisely, avoid overspending, and prioritize savings. To start budgeting, first, gather all your financial information. List your income sources—paychecks, side hustles, and any passive income—and note your fixed and variable expenses, like rent, utilities, groceries, and entertainment. Step 1: Know Your Numbers. Calculate your total income and create a detailed breakdown of where your money goes each month. Knowing your numbers helps in identifying areas where you can cut back. Step 2: Create a Simple Plan. Establish a budget that encompasses both necessities (fixed expenses) and discretionary spending categories (like dining out or hobbies). Make sure to set aside a portion for savings. It’s often recommended to follow the 50/30/20 rule: allocate 50% of your income to needs, 30% to wants, and 20% to savings. Step 3: Adjust as Needed. Your budget should be flexible. Regularly review your spending against your budget and make adjustments as necessary. If you experience a change in income or unexpected expenses, revisit your budget to remain on track. Additionally, using budgeting tools or templates can enhance your budgeting experience. There are various apps available that can help track your expenses and provide visual representations of your financial health. Templates can also be a great way to maintain consistency and track your progress over time. Remember, budgeting is a process, and it's okay to experiment with what works best for you. Stay committed, and you’ll see improvements in how you handle your finances!

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HOW TO BUDGET FOR BEGINNERS

Hey y’all! Saving money has honestly become one of my many favorite things lately. It’s made such a difference in my life, and I know a lot of people want to get better with their finances too — so I wanted to share some easy budgeting tips! One of the biggest things that helped me was followin

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Financial Planning for Beginners

Hey there, fellow 20- and 30-somethings! Are you feeling a bit overwhelmed when it comes to managing your finances? Don't worry, you're not alone. Financial planning can seem like a daunting task, but it's actually a crucial step in taking control of your financial future. I know, I

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✨How To Budget On A Low Income

Budgeting on a low income? Don’t stress, here’s how to make every dollar count 💵👇🏽 1️⃣ Prioritize the Essentials: Start with what matters most: housing, food, transportation, and utilities. Keep the lights on and your stomach full before anything else. 2️⃣ Use the 80/20 Rule: If the 50/30/20

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How to budget for beginners

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Paycheck Budget Method ✨

Budgeting money: how to budget for beginners using the paycheck budget method. Break down each paycheck into one or multiple pay periods and allocate each expense! Budgeting organization method and bill pay budget organization. #personalfinance #lemon8money

1746 likes

A hand holds fanned-out US dollar bills of various denominations, including $10, $20, $50, and $100, with a money bag emoji and text overlay "HOW TO Budget Your Checks The Easiest Way."

A digital budget template on a tablet shows sections for 'PAY' (Job #1, Job #2, TOTAL PAY) and 'Bills' (Car insurance, Credit Card, My Business, My Website), with instructions to write down income and upcoming payments.

A digital budget template on a tablet displays filled amounts for 'PAY' and 'Bills' categories, including Car insurance, Credit Card, My Business, and My Website, with instructions to list bill amounts.

Baddie on a Budget💸

Here’s the easiest way I learned to make sure I had money for my wants and my needs and still boost my savings 🥰 this can be done with any size check just tweak the numbers. And remember you’re only putting enough money in each envelope to last you until the next paycheck!!!! The goal is to

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How to budget... for beginners

Budgeting your paycheck doesn’t have to be complicated! Start by knowing your income and expenses, prioritize necessities, and set simple savings goals. This beginner-friendly method helps you stay organized and work toward financial stability without the stress. Swipe to learn how to make the most

18 likes

A Google Sheets budget calendar for 2024, titled 'How to zero-based Budget for beginners w/Google Sheets', showing monthly summaries, fixed and variable bills, income, savings, and spending categories for January and February.

Four steps for setting up a budget calendar: selecting the starting weekday and month, adding incomes, bills, and spending, and ensuring all funds are allocated, displayed on a Google Sheets interface.

Illustrations of budget allocation statuses: no income added, funds remaining to allocate, overspending, and achieving zero-based budgeting, each with a 'Left to Budget/Allocate' amount.

How to 0 based budget for Beginners 🤌

1. Write it down - use paper and pen, digital journals, or Google Sheets like one I’m using here 2. Start with monthly fixed bills (rent, auto payment, student loans, phone, internet,etc) and dates 2. Next are variable bills (electricity, water, medical bills, etc) and due dates 3. Plan when y

1456 likes

Budget My Paycheck With Me!!

Come Budget my paycheck with me using the 50/30/20 method! This method splits your check up between “Needs”, “Wants”, and “Savings” categories and depending on how much you want to save verses how much you want to spend this method could look a little different. I’ve also seen 70/20/10 where needs

4308 likes

How I budget with Google Sheets

I suck with using budget journals, apps, and even just writing it out. Google Sheets has helped me get a grip on my budget and what my money looks like and where it’s going. #budget #googlesheets #budgetplanning #budgetingforbeginners #howibudget

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A colorful Coach wallet is surrounded by various US dollar bills, including $20, $50, and $100 denominations. Overlay text reads "How to Save $500 In 30 days" and "SWIPE," promoting a savings guide for beginners.

US dollar bills are visible beneath a grid displaying daily savings amounts from $2 to $31. Overlay text instructs to "Cross one off each day" and "START WITH THE LOWEST AMOUNT IF YOU'RE ON A TIGHT BUDGET," with a "Save this!" reminder.

A colorful Coach wallet and dollar bills are shown with "SAVING TIPS" overlay text. Tips include saving high amounts on payday, cutting spending, tracking by hand in a notebook, and adding an extra dollar daily for more savings.

EASY SAVINGS GUIDE FOR BEGINNERS ✨🫶

Take this as your sign to save $500 in one month! If you stick to this guide you will get there 🤩 I recommend starting with the highest amounts first so it gets easier all the way through. 💰Pay days are the best days for those higher amounts. Set it aside before you spend it 🤭 💵You can

4218 likes

Niches & Content ideas for beginners ✨

So I made this lil guide to help my girls who feel lost or have no clue what to post! ✨ It’s not the full list, but it’s perfect for beginners who just need a cute lil boost to get started! 📲💡 #postingtips #contentideas #contentideasmadeeasy #contentcreatortipsforbeginners #lemon8challenge

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How to Homestead on a Budget

Because fancy homesteads aren’t actually the norm.

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A stack of US dollar bills tied with a pink ribbon, featuring the overlaid text "How to Budget FOR BEGINNERS" and decorative pink flower graphics.

A light pink graphic outlining the "Budget Method 50% + 30% + 20%", categorizing spending into "Needs + Wants + Save", and prompting to "Calculate Your Income".

An infographic detailing the 50% for Needs (rent, utilities), 30% for Wants (hobbies, fast food), and 20% for Save (down payment, emergency fund), each with illustrative icons.

How To Budget For Beginners ✨✨✨✨

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A tropical beach with clear blue water, white sand, and a palm tree, featuring the title '5 BEST EXOTIC VACATIONS TO TAKE ON A BUDGET'.

A stunning beach in Thailand with turquoise water, white sand, and dramatic limestone cliffs, detailing budget tips and highlights for the destination.

An ancient stone structure in Peru, looking out over a mountainous landscape, with text about Peru's budget travel tips and highlights like Machu Picchu.

5 Best Exotic Vacations to Take on a Budget

Traveling to exotic destinations on a budget is not only possible but also immensely rewarding. From the stunning beaches of Thailand to the historic charm of Portugal, these destinations offer unforgettable experiences that won’t drain your wallet. By choosing budget accommodations, savoring local

920 likes

The image shows a white keyboard, two small bottles, and a pink floral pouch on a desk. Overlay text reads "How to Budget for Beginners with Google Sheet" and "Swipe !!", indicating an introductory guide.

A Google Sheet-like table displays a budget split for an income of $6000, allocating 50% to Living Expenses, 30% to Daily Spending, and 20% to Savings. Step 1 instructs to list income and expenses.

A Google Sheet-like table categorizes expenses into "Needs" (Rent, Internet, Electric, Groceries) and "Wants" (Streaming, Dining Out, Uber, Shopping, CVS, McDonalds, Gas) with example amounts. Step 2 explains setting budget categories.

How to Budget for Beginners with Google Sheet

Budgeting in Google Sheets is an easy way to track your money and stay organized. List your income and expenses, set up budget categories, and use formulas to automate tracking. With a clear system in place, you’ll always know where your money is going. Swipe to see how to get started today! 🌟 #l

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An overhead shot of a desk with a budget sheet, a calculator, a mug, and a wallet, with text overlay "Budgeting made easy 6 categories you need" highlighting a simplified approach to personal finance.

The image defines 'INCOME' as money inflow, listing examples like paychecks, freelance income, refunds, and gift money, emphasizing tracking all sources, set against a desk with budgeting tools.

The image defines 'BILLS' as non-negotiable fixed monthly costs, including rent, utilities, phone, internet, insurance, and subscriptions, advising automation for consistency, shown on a desk with a budget sheet.

Struggling to Budget? Start With This.

If you’re overwhelmed by budgeting or feel like you’re failing at “managing your money” you’re not alone. Most people don’t stick to a budget because they try to make it way too complicated. Too many categories. Too many rules. Not enough clarity. Let me break it down: There are 6 main area

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How To: Create a REAL Budget

On the last slide is a printable document for you to start creating your own budget! Or find it at nannytomommy.com #budgetplaner #budgetingforbeginners #budgetingtips #savingmoneytips #savingmoney

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✨ Budgeting for Beginners (No Overwhelm, No Stress

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A young man sits at a laptop, with text overlay "Beginner-Friendly Money Management Tips" and a "Swipe" indicator. This image serves as the cover for personal finance advice.

A financial tip titled "1) FOCUS ON YOUR NEEDS" explains understanding income for budgeting. A table shows a planned split of expenses: 50% for Needs (2250), 30% for Wants (1350), and 20% for Savings (900).

A financial tip titled "2) TRACK YOUR SPENDING" advises monitoring where money goes. Tables detail example expenses for "Needs" (Rent, Internet, Groceries) and "Wants" (Streaming, Dining Out, Uber, Shopping, CVS).

Personal finance tips for beginners

Ready to take control of your finances? Start with these beginner-friendly tips: focus on your needs, track your spending, and build a habit of saving. These small, simple steps make managing your money less overwhelming and more effective. Swipe for practical advice to help you get started today!

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How to budget the right way!!

✅ 1. Know Your Net Income Start with what you actually take home after taxes and deductions. • Don’t use your gross salary. • If your income fluctuates, average your income over the last 3–6 months. ✅ 2. Track Your Spending Before making a budget, understand where your

1388 likes

A pie chart illustrates the 50/30/20 budget rule, allocating 50% to Needs (rent, groceries), 30% to Wants (shopping, entertainment), and 20% to Savings (emergency, retirement). A piggy bank is shown collecting coins.

A pie chart details the 70/20/10 budget rule, assigning 70% to Living Expenses (rent, utilities), 20% to Savings & Debts (emergency fund, debt payments), and 10% to Investments (401K, stocks). A piggy bank is shown.

2 budget rules for beginners ✨

The 50/30/20 budget rule is a simple way to divide your spending into three categories to budget your money: needs, wants, and savings. 70/20/10 rule is to help you create a budget that you can stick to in personal finance to manage your money. Use these tips to help you save money each month!

1732 likes

Two clear cash envelopes labeled 'FIVE HUNDRED dollars' and 'ONE THOUSAND dollars' from 'Jasmine's Wallet' are shown on a textured surface, illustrating budgeting for beginners.

This image explains the 50/30/20 budgeting rule, detailing categories for 50% Needs, 30% Wants, and 20% Savings with examples, set against a background of financial items.

A chart titled 'Savings to Income Ratio' displays various income levels from $1000 to $10000 and their corresponding recommended monthly savings amounts, from $84 to $834.

How to Budget for Beginners 💸💸

💸 Get Your Money Right! ✨ Hey, babes! Ready to take control of your money but don’t know where to start? Budgeting doesn’t have to be scary! Here’s an easy step-by-step guide to get you slaying your savings and spending goals. Let’s dive in! 💖 1. Track Your Income & Expenses 💵 First thin

1070 likes

$20 makeup kit for beginners! 🌸

if you’re a makeup beginner or looking to put together an affordable touchup kit for school/on the go, here are some of my favorite makeup finds from target 💕 these for makeup products have been staples in my makeup routine and add up to less than $20, perfect for students, teens, and anyone on a b

885 likes

How to BUDGET like a RICH GIRL 💅🏼💕✨

You should get to enjoy your life now and in the future!!! Budgeting can help you accomplish ALL of your goals - both now and later! Write or type down what your needs & wants are and how much they cost! Also write down how much you bring in! Look over your needs and wants to make sure you’

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How To Pay Off Your Car On A Cheap Budget!

About a year or two ago I paid off my first car for the first time! And honestly I wasn’t making much. Just a normal low paying job with a side hustle here and there to make ends meet. BUT I used these steps to make the payments more manageable and paid off my car quicker than originally planned, s

452 likes

Makeup Beginners Guide

#holybeautygrails #makeupoftheday #skin careroutine #lemon8challenge Makeup beginners guide! If you’re just starting with makeup, keep it simple and build your routine step by step. Focus on the basics like a good base, brows, mascara, and a natural lip. Practice blending, find shades t

267 likes

How to Budget When Your Paycheck Is Never the Same

When your paycheck changes every month, a standard budget falls apart every time. Not because you’re doing it wrong. Because it was built for someone whose income never changes. The five steps in this post are built specifically for income that isn’t predictable. They work whether you’re on comm

102 likes

A 'Budgeting for Beginners' guide lists 7 steps for financial planning. These steps include using a calendar for bills and paydays, listing expenses, setting financial goals, budgeting for non-monthly costs, zero-based budgeting, and assigning expenses to paychecks. A person is seen typing on a laptop in the background.

Budgeting for beginners

Effective money management involves creating a budget to understand your income and expenses, tracking your spending to prevent overspending, saving for retirement to ensure financial security in later years, and building an emergency fund for unforeseen events. Additionally, strategizing to pay of

803 likes

Digital Planning For Beginners

Want to start digital planning but don’t know where to start? Don’t worry, I got you. ✨📱 Today we’re importing your planner into Goodnotes and getting everything set up the right way. The All Things Planner comes with a full download guide so you know exactly which file to pick, how to choose a

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A tablet displays a digital monthly budget tracker planner template with sections for income, expenses, savings goals, and notes. The image title reads "How to Create a MONTHLY BUDGET TRACKER PLANNER (for Personal Use or to Selll)" in green text on a light pink background, with a white stylus and notebook visible.

How to Make a Monthly Budget Planner in Canva 📝

📌 How to Create a Monthly Budget Tracker Planner in Canva (for Personal Use or to Sell!) ✨ Whether you’re budgeting for groceries or building a digital product empire, this planner is a must-have. Here’s how to make your own: 1️⃣ Open Canva Search “Budget Planner” or “Monthly Budget” to expl

36 likes

HOW TO BUDGET FOR BEGINNERS

Saving money has honestly became one of my favorite things to do. It has made such a difference in life, and I know a lot of people want to get better with their finances too — so I wanted to share some easy budgeting tips! One of the biggest things that helped me was following the 50/30/20 rule

2 likes

A checkered handbag with a $10 bill tucked into it, featuring text overlays "50/30/20 RULE" and "HOW TO BUDGET FOR BEGINNERS," introducing a simple budgeting method.

A pie chart illustrating the 50/30/20 budgeting rule, showing 50% for Needs, 30% for Wants, and 20% for Savings, set against a blurred checkered handbag background.

A checkered handbag with money, overlaid with text detailing the 50/30/20 rule: 50% Needs (housing, groceries), 30% Wants (dining, hobbies), and 20% Savings (investing, emergency fund).

Budgeting for beginners ✨🫶

Budgeting doesn’t have to be complicated! The 50/30/20 rule is a simple way to manage your money: 💰 50% for needs (bills, groceries, essentials) 🎉 30% for wants (fun stuff, treats, hobbies) 💸 20% for savings or debt repayment It’s a great starting point to see where your money is going and ma

66 likes

A laptop on a wooden desk displays the Etsy homepage, illustrating the title "Etsy for Beginners: Start selling digital products the easy way." A notebook, pen, and coffee cup are also visible, setting a productive scene.

A laptop on a wooden desk shows various digital product templates, such as planners and checklists, under the heading "Pick a Simple Digital Product." A notebook, pen, and coffee cup are also on the desk.

A tablet on a wooden desk displays an "Editable TEMPLATE" mockup, emphasizing the importance of listing photos. The scene includes a notebook, pen, and coffee cup, highlighting the creative process.

Etsy for Beginners

You don’t need a big shop to start selling — just one product and a clear listing. Simple beginnings lead to real results. #etsy #digitalproductsforbeginners #etsysellertips #etsyhustle #beginner

42 likes

Financial planning for beginners 🫶

Take control of your $$$ in style 💸✨ This cute & customizable Financial Planner comes with a budget sheet, expense tracker, and savings plan—all in one! 🎯 You can change the colors, reuse it anytime, and make it totally your vibe 🎨🧡 Grab yours now and start crushing your money goals! 💼💰 #Finan

320 likes

10 STEPS FOR BEGINNERS TO MAKE MONEY📈

10 STEPS FOR BEGINNERS TO MAKE MONEY📈 Starting to make money can be fulfilling, allowing you to turn passions into income. It offers scalability, flexibility, and opportunities for personal growth through learning new skills and adapting to market changes.🌞 Day 1: Set Financial Goals: Establi

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Cutest money Saving binders For beginners

#budgetbinder #savingsmatter #money #moneyorganization #savingsmadeeasy

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How to set up a monthly budget

Attention to my budget girlies that want to get better at budgeting ! We must set up a monthly budget ! This allows us to see what we are working with each month ! This is how we simply breakdown a monthly budget ! Income - expenses = savings ! If you feel like you have no control over

154 likes

How to set up a biweekly budget for beginners

Here’s my favorite hack on how to expand your check for two weeks! Here’s how we create a zero based paycheck budget 🥰 Stop stressing until your next payday! Doing this shows you where your check will go! And then you can finally start building your savings 😝 Try this method for your next pay

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A plant grows from a glass pot filled with coins, illustrating the concept of 'Investing for Beginners: 5 Easy Steps' to grow wealth.

A pink piggy bank with coins in front of it, representing 'Step 1: Start Small' in investing.

A person in a white shirt and tie holds a blue folder, symbolizing 'Step 2: Choose a Brokerage Account'.

Investing for Beginners: 5 easy steps

For beginners, the goal is to build long-term wealth safely by leveraging compound interest while minimizing unnecessary risks. Here are 5 easy steps to investing as a beginner: Step 1: Start small. Invest $50-$1000 to begin. Step 2: Choose a Brokerage Account. Open with Firms like Fidelity, Ro

31 likes

A woman holds a camera with a flash, illustrating how to start photography on a budget by considering older or used camera models for beginners.

A woman sits on a couch holding a camera, recommending purchasing an older or used camera model for beginners, noting her own upgrade to a different model.

A woman takes a mirror selfie with her phone while holding flowers, advising to practice photography with a phone if a dedicated camera is not yet affordable.

How to Start Photography on a Budget

Photography is truly a beautiful hobby, but it is definitely an expensive one! 💲 If you’ve been thinking about starting your photography, but you’re on a tight budget, here are some of my recommendations.👇🏼 1️⃣ Purchase a camera that’s an older model - trust me, you do not need the newest cam

522 likes

A man sits on a couch looking at a laptop, with text overlay "3 Budgeting Steps for Beginners" and a "Swipe" prompt. The image introduces a guide on budgeting.

This image illustrates the first budgeting step: "WRITE DOWN YOUR INCOME." It shows an example income breakdown, including $15 per hour, 40 hours/week, $4,300 monthly, and $51,600 annually.

This image details the second budgeting step: "TRACK YOUR EXPENSES." It lists planned expenses, including $3,440 for essentials, $430 for wants, and $430 for savings.

3 budget steps for beginners ✨

New to budgeting? Start with these three simple steps: write down your income, track your expenses, and create a spending plan. This beginner-friendly method helps you stay on top of your money and gives every dollar a purpose. Swipe to see how you can build a budget that works for you! 💡 #lemon8pa

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Apartment Hunting for Beginners 🏡✨

Apartment hunting can feel overwhelming, especially if it’s your first time. Here’s everything I learned the hard way—so you don’t have to. From budget traps to layout regrets, save this guide before your next tour! 🗝️🏠 Whether you’re moving out for the first time or finally getting your own pl

574 likes

A monthly calendar for September showing bills, paydays, and a note about wrapping up the budget. The image highlights a plan to pay off $4,800 in credit card debt over four months, with a purple glitter pen resting on the planner.

A monthly planner for September detailing income breakdown, fixed expenses like rent and utilities, and variable expenses such as gas and groceries. The text indicates a goal to allocate funds towards credit card debt.

A weekly budget breakdown for the first two weeks of September, showing fixed and variable expenses, income, and calculated savings. The text emphasizes planning the weekly budget to track savings contributions.

The easiest to use budget planner

The goal is to pay off debt in the next 4 months. This budget planner has made it so simple for me to stay organized and prioritize my debt. This is how I wrap up my budget each month to hold myself accountable to my debt pay off plan 💜 #budgetplaner #budgetingforbeginners #budgettracker

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Saving tips for Beginners📈📈

💬 Which one of these tips are you starting today? Let’s hold each other accountable! #savingtips #budgeting101 #moneymoves #financialfreedom #startsmall

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Budgeting for beginners 💕💰

In order to budget, you want to make sure you know how much you’re bringing in. And then you want to divvy up what you bring in. A common method is the 50/30/20 method where 50% go to needs 30% go to wants and 20% go to savings. You can tackle each categories separately and add each expense or p

374 likes

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