Start with your monthly income and list the expenses you expect to pay. Separate fixed costs, such as rent and subscriptions, from flexible spending such as groceries, transport and entertainment.
Give every euro a purpose. After essential expenses are covered, set aside an amount for savings and keep a small buffer for unexpected costs. A simple plan is easier to follow when the categories are realistic.
Review your spending at the end of the month. Comparing what you planned with what you actually spent can help you adjust the next month's budget without making it unnecessarily complicated.
