Quick answer. List take-home pay, list must-pay bills, then groceries and travel, then wants. The leftover is the only number you can freely spend.
A budget that ignores the rent date is a wish list.
MarketPalace Guide Center writes this as a solution walkthrough — the order we would use if we were in the room with you. We name the next click, then what to do if that click fails. We do not sell the TV, the kettle, or the plane ticket.
If a menu name on your set or phone does not match, use the closest wording and email hello@marketpalace.shop. We correct live pages when the path has moved.
What you need
- Last month's statements
- Paper or a blank sheet
In this guide
1. Write monthly take-home pay
Not the gross on the contract.
2. Write rent or mortgage, utilities, transport, debt minimums
These leave first.
3. Give groceries a weekly number × 4
Round up.
4. What remains is wants and saving
If the remainder is negative, the wants list is where you cut first.
If it still fails
- This is a household worksheet, not personalised financial advice.
When you are done, browse more in Bills & Errands or search the Guide Center for the next job on your list. A neighbour problem — a remote, a bill, a suitcase — has its own walkthrough.
Common questions
Apps?
A notes file works. An app is fine if you will actually open it.
