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Three things you need in your budget if you want it to actually work. This is what I like to call the three S's. So staples, spending, and saving. Let's talk about what each of those mean. Staples are your fixed expenses. These are any bills that have due dates. Debt payments are included here. These are things that must be paid. Things like water and electric are also included here, even though the amounts can technically vary. You still have to pay those every single month. And what I like to do is send all of my staples to a separate account just for bills. Next we have spending, which is otherwise known as variable expenses. These are your monthly spending categories. So things like grocery, gas, fun money, etc. The amount you budget for these things can change month over month, depending on what your priorities are that month. Pro tip, the best way to set up your spending categories and understand what you need to even put here is to go through a past bank statement and see where you've been spending your money. You need to set up spending categories for the things that you're spending the most on such as fast food. Because if you don't put that in your budget, you are going to blow your budget. And this is how you create a budget that actually works for you. These are also the things you would cash stuff if you want to. Then we have saving otherwise known as sinking funds. So your emergency fund falls into the savings categories, but also any future expenses that you know are coming and you want to save for those that go here as well. And you want to put those in a high yield savings account. These can be things like saving for car repairs in the future, saving for a vacation, etc. But just know that if you do not already have an emergency fund, this is your number one priority. If you want action steps, you can start taking today to build a budget that actually works. Go check out my free training in my bio or check out the Create Your Budget mini course, which has all my budgeting templates in it. This year is almost over with and these are some life skills that you need to learn going into 2025 so that you do not keep reliving the same broke situation over and over again. I know that you can do it. You just got to believe in yourself and have some type of consistency. You got this friend.