{"id":57373,"date":"2018-08-10T18:04:00","date_gmt":"2018-08-10T22:04:00","guid":{"rendered":""},"modified":"2024-03-15T14:13:52","modified_gmt":"2024-03-15T18:13:52","slug":"take-charge-of-your-budget-at-any-age","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/take-charge-of-your-budget-at-any-age\/","title":{"rendered":"Take Charge of Your Budget at Any Age!"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Take Charge of Your Budget at Any Age!<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Helen Reaume<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-July-Baeumlers-FBPP_402x-2.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Sarah and Bryan Baeumler\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-July-Baeumlers-FBPP_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-July-Baeumlers-FBPP_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-July-Baeumlers-FBPP_402x-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Take Charge of Your Budget at Any Age! &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/take-charge-of-your-budget-at-any-age\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/take-charge-of-your-budget-at-any-age\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published August 10, 2018 \u2022 6 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>No matter what stage of life you&#8217;re at, most people don&#8217;t enjoy spending their time thinking about budgets.<\/p>\n\n\n\n<p>But finding ways to take control of your financial life doesn&#8217;t have to cause you stress. Here are some simple ways to help you start taking charge of your budget at any age with insights from Sarah Baeumler of HGTV Canada&#8217;s <i>Home To Win<\/i> and <i>Bryan Inc<\/i>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mid to Late Teens<\/h2>\n\n\n\n<p>You&#8217;re not yet an adult, but you&#8217;re starting to think about your future which might involve going to college or university, and moving out. Those are expensive things and you&#8217;re likely wondering how you&#8217;ll pay for them. Being smart about money now will help.<\/p>\n\n\n\n<p><strong>1. Join the working world<\/strong><\/p>\n\n\n\n<p>The most influential part of a budget is income. Getting a job in your mid or late teens can help you start earning cash and getting work experience.<\/p>\n\n\n\n<p><strong>2. Be responsible with your own money<\/strong><\/p>\n\n\n\n<p>&#8220;When I was in high school my parents encouraged me to budget,&#8221; says Sarah. &#8220;They taught me to separate my babysitting money so that half went into my savings account and half went to buy items that I may have wanted, or to help pay for outings with my friends and family. Now, I help my kids with budgeting by helping them manage their own debit accounts so that they can learn to save and spend wisely the money they&#8217;ve made from chores.&#8221;<\/p>\n\n\n\n<p>As a teen you may have some chore money saved up in your bank account and you&#8217;re learning how to budget your money and spend responsibly. But when you do want to spend it on something special, you usually have to beg your parents to let you use their credit card if you want to pay online. The good news is that you can get a <a href=\"https:\/\/www.rbcroyalbank.com\/banking-services\/virtual-visa-debit\/index.html\" data-dig-id=\"LP-57373-fa143321\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"debit card to pay online\" class=\"rbc-link-format\">debit card to pay online<\/a> beginning at the age of 14. By using the money directly from your bank account you can manage your money and stick to your budget, without having to borrow your mom&#8217;s credit card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Twenties<\/h2>\n\n\n\n<p>Whether you&#8217;re still in school or starting to establish yourself in the working world, one thing that may be universal about life in your twenties is that money is tight.<\/p>\n\n\n\n<p><strong>1. Manage funds like a pro<\/strong><\/p>\n\n\n\n<p>&#8220;When I first moved out on my own it was a struggle to balance my finances and manage all of my monthly bills,&#8221; says Sarah. &#8220;Like most people in their late teens and early twenties, I lived off of macaroni and cheese until I learned how to better manage my budget. It was a great feeling once I found a balance with my money.&#8221;<\/p>\n\n\n\n<p>Want to buy concert tickets for your favourite band, but you&#8217;re not sure how many bills you still have to pay for this month? You may want try an app that keeps an eye out and ensures you&#8217;re on the right financial track. Get an <a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/index.html?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-172291\" data-dig-id=\"LP-57373-dfe206d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"app \" class=\"rbc-link-format\">app <\/a>that will provide you with timely and personalized spend trends based on your money-while you&#8217;re out living your busy life.<\/p>\n\n\n\n<p><strong>2. Establish credit<\/strong><\/p>\n\n\n\n<p>Your twenties can be a great time to start building a good credit score. That means getting a credit card, line of credit, or loan, and making all your payments on time. Building a good credit score may help you later in life, such as getting a lower interest rate if you take out a mortgage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Thirties<\/h2>\n\n\n\n<p>You might be making a little more money now that you&#8217;re more established in your career, but you may also have more expenses.<\/p>\n\n\n\n<p><strong>1. Put an end to grey charges<\/strong><\/p>\n\n\n\n<p>What&#8217;s a grey charge? It&#8217;s a monthly or annual subscription that you signed up for years ago and forgot about and yet it is still being charged to your account, like an old gym membership for example. Take a look through your statement and see if you have any grey charges and cancel them.<\/p>\n\n\n\n<p class=\"has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background\">Lifestyle inflation is real. When more money starts rolling in the door, you suddenly start thinking about all the things you&#8217;ve had on your &#8216;To Buy&#8217; list for years.<\/p>\n\n\n\n<p><strong>2. Save your bonuses and pay increases<\/strong><\/p>\n\n\n\n<p>When more money starts coming in, many people suddenly start thinking about all the things on their &#8216;To Buy&#8217; list. But before you turn your bonus into a shopping spree, consider making a commitment to use pay increases and bonuses to supercharge your retirement savings. The more you save now, the longer it has to grow.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Forties and Fifties<\/h2>\n\n\n\n<p>Your forties and fifties are the time when many people hit a stride in their careers. It&#8217;s also a time when you might be worrying more about retirement and want to get a tighter grip on your budget.<\/p>\n\n\n\n<p><strong>1. Check your budget<\/strong><\/p>\n\n\n\n<p>&#8220;My best tip for budgeting now is to be sure to check in on your budget regularly and adjust as needed,&#8221; says Sarah. &#8220;I am constantly managing my money on the go. I use my phone on a daily basis to check my bank account balances, pay bills, and ensure money is being saved.&#8221;<\/p>\n\n\n\n<p><strong>2. Focus on the big things<\/strong><\/p>\n\n\n\n<p>Spend your energy by doing things that will result in big savings like negotiating a better cell phone or internet contract or refinancing debt at a lower interest rate. Although still beneficial, clipping coupons to save 50 cents on yogurt may not be as impactful on your budget in the long run.<\/p>\n\n\n\n<p><strong>3. Save aggressively <\/strong><\/p>\n\n\n\n<p>As you get closer to retirement, now can be the time to increase the amount you&#8217;re saving so that it still has time to grow before you retire. Consider taking a few staycations rather than going on expensive trips, or wait a little longer to replace your old car.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sixties and Beyond<\/h2>\n\n\n\n<p>Retirement might be the best time of your life, but it can also be a stressful time if you&#8217;re on a limited income. Luckily, there are still some things you can do to protect your budget.<\/p>\n\n\n\n<p><strong>1. Reduce expenses<\/strong><\/p>\n\n\n\n<p>You&#8217;re approaching your retirement and it&#8217;s time to test living like you&#8217;re retired. That doesn&#8217;t just mean taking up woodworking. You should reduce your budget to see if you can live on your retirement income. Take a look at your budget and start cutting what you might not need.<\/p>\n\n\n\n<p><b>2. Get your discounts <\/b><\/p>\n\n\n\n<p>One of the benefits of getting older is that companies start to offer you more discounts. Seniors can save on things like car insurance, tickets, or meals out. Pay attention to which businesses offer savings for seniors and take advantage of them to help maximize your budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Small Steps Add Up<\/h3>\n\n\n\n<p>While one budget tip alone may not have a big impact on your bottom line, they can add up.<\/p>\n\n\n\n<p>&#8220;The more things you can do to work towards greater financial security now, the more you&#8217;ll benefit later on,&#8221; Sarah says. &#8220;You can start making better financial choices at any age and gain control of your money.&#8221;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-243b578d-6405-48a9-a593-c6e4c7f4e5a6\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Take Charge of Your Budget at Any Age! &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/baeumler\/take-charge-of-your-budget-at-any-age\/\">\n        <img decoding=\"async\" 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aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr 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srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg 1080w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_EN.jpg?resize=1024,768 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/\">\n\t\t\t\t\t\tUnderstanding Cyber Safety\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/digital-safety-and-scams-how-to-protect-yourself-online\/\" class=\"card-title h4 mar-t-0\">Digital Safety and Scams: How to Protect Yourself Online<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-243b578d-6405-48a9-a593-c6e4c7f4e5a6 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-243b578d-6405-48a9-a593-c6e4c7f4e5a6 {\n\t\t\theight: 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Read on!<\/p>\n","protected":false},"author":10,"featured_media":51471,"parent":57989,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[77,48],"rbc_content_type":[31],"rbc_audience":[39,49,61],"rbc_lob_group":[35],"rbc_difficulty_level":[33],"rbc_mmm_category":[318,368,403,304],"class_list":["post-57373","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-personal-finance","tag-savings","rbc_content_type-article","rbc_audience-parents","rbc_audience-students","rbc_audience-youth","rbc_lob_group-business","rbc_difficulty_level-beginner","rbc_mmm_category-banking-basics","rbc_mmm_category-banking-tips","rbc_mmm_category-baeumler","rbc_mmm_category-money-academy"],"acf":{"contently_publication_id":"172291","custom_author":"Helen 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