How to Make Your Budget Work for You

Track your payments throughout the month. Keep notes on your phone while you're out at the boat if you want to. Or use the tools in your banking app to categorize all your spending. Most banking apps have that these days. If not, then build an emergency fund and we'll get to that next week. And then number six, the next step along the line would be review the budget and repeat every month initially. Every single month.