{"id":57376,"date":"2018-11-16T21:49:00","date_gmt":"2018-11-16T21:49:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/budgeting-your-future-self-will-thank-you\/"},"modified":"2024-02-06T14:24:20","modified_gmt":"2024-02-06T19:24:20","slug":"budgeting-your-future-self-will-thank-you","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/budgeting-your-future-self-will-thank-you\/","title":{"rendered":"Budgeting: Your Future Self Will Thank You"},"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\">Budgeting: Your Future Self Will Thank You<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/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-future-self_402x-4-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-future-self_402x-4-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-future-self_402x-4-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-future-self_402x-4-1.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=Budgeting: Your Future Self Will Thank You &#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\/money-academy\/banking-basics\/budgeting\/budgeting-your-future-self-will-thank-you\/\">\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\/money-academy\/banking-basics\/budgeting\/budgeting-your-future-self-will-thank-you\/\">\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 November 16, 2018 \u2022 3 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>Well, let&#8217;s think about that for a second.<\/p>\n\n\n\n<p>Even if the money you earn today is only from an allowance, odd jobs, or gifts for your birthday, it&#8217;s still important to keep track of it, so you can use it for the things you really want.<\/p>\n\n\n\n<p>Budgets are generally misunderstood, especially if you haven&#8217;t set one up before. To help set the record straight, here are a few things you should know about creating budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Budget Keeps Track of 2 Things: What&#8217;s Coming in, and What&#8217;s Going Out<\/h2>\n\n\n\n<p>A budget doesn&#8217;t have to be a big, complicated spreadsheet, because it&#8217;s really tracking these two basic elements. The trick is to set up a budget that accurately captures your incoming and outgoing money so that you can see what you have and where you stand.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">It Starts with Tracking Your Expenses \u2013 All of Them<\/h2>\n\n\n\n<p>To set up your budget, you need to know how much you spend on a regular basis. Spend a week or two tracking your debit card transactions, and\/or by keeping a money journal if you use any cash at all. The important thing is that you put everything in there \u2013 including snacks you buy at school, or that drink on the way home.<\/p>\n\n\n\n<p>You&#8217;ll Need to Create Two Categories<\/p>\n\n\n\n<p>Once you&#8217;ve identified what you spend your money on, divide your spending into two categories: \u201cmust haves&#8221; and \u201cwant to haves.&#8221; If you&#8217;re responsible for getting yourself to school, your transit fare would be considered a \u201cmust have.&#8221; The lunch you buy once you&#8217;re there? That would be a \u201cwant to have,&#8221; since you could bring it from home instead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You Want the Money Coming in to Be Greater than the Money Going Out<\/h2>\n\n\n\n<p>While it sounds pretty basic, it&#8217;s actually easier said than done. This is the time to add everything up and figure out: are you earning more than you&#8217;re spending? If so, great! If it looks like you&#8217;re spending more than you&#8217;re making, you&#8217;ll have some tweaks to make. That might mean boosting your income or cutting down on some extra expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">It Will Take Some Adjusting<\/h2>\n\n\n\n<p>Don&#8217;t count on getting your budget right the first time. For many people, the expenses end up being more than they thought once they add them all up. Also, your income might go up and down throughout the year, so you&#8217;ll want to stay on top of your budget and make changes whenever you need to. This is also the stage where you can look hard at those \u201cwant to haves&#8221; and prioritize them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Your Budget Is Your Ticket to Saving for What&#8217;s Important<\/h2>\n\n\n\n<p>Figure out what your savings goal is, and how much it costs. Then you can allocate part of your budget toward saving up for it. This may affect that \u201cwant to have&#8221; expense category \u2013 you may find that your daily $4 coffee isn&#8217;t as important as putting that money toward something that matters more to you.<\/p>\n\n\n\n<p>Budgeting is really about setting priorities. That means asking yourself questions like: What&#8217;s important to me? What can I live without? Can I still have fun with my friends without spending a lot? Everybody&#8217;s answers will be different \u2013 the important thing is to come up with a budget that is realistic and works for you.<\/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-ae18adcc-2e87-4799-99fa-00cf5f36ce58\" 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=Budgeting: Your Future Self Will Thank You &#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\/money-academy\/banking-basics\/budgeting\/budgeting-your-future-self-will-thank-you\/\">\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\/money-academy\/banking-basics\/budgeting\/budgeting-your-future-self-will-thank-you\/\">\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  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9d959fc7-99a0-45f7-bf57-13abfa01d4c8\" 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 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/\">\n\t\t\t\t\t\tBudgeting\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\/banking-basics\/budgeting\/2026-financial-roadmap-aligning-your-budget-borrowing-and-investments-to-your-goals\/\" class=\"card-title h4 mar-t-0\">2026 Financial Roadmap: A Guide to Debt, Budgeting and Investing in Canada<\/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-ae18adcc-2e87-4799-99fa-00cf5f36ce58 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-ae18adcc-2e87-4799-99fa-00cf5f36ce58 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-9d959fc7-99a0-45f7-bf57-13abfa01d4c8 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-9d959fc7-99a0-45f7-bf57-13abfa01d4c8 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Setting up a budget is one of those things \u2013 like cleaning your room, studying for exams, or being forced to watch your younger brother or sister \u2013 that you just don&#8217;t want to do.<\/p>\n","protected":false},"author":10,"featured_media":51494,"parent":57314,"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":[59,39,61],"rbc_lob_group":[35],"rbc_difficulty_level":[33],"rbc_mmm_category":[318,367,302,328,304,306],"class_list":["post-57376","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-newcomer","rbc_audience-parents","rbc_audience-youth","rbc_lob_group-business","rbc_difficulty_level-beginner","rbc_mmm_category-banking-basics","rbc_mmm_category-budgeting","rbc_mmm_category-debt-stress-relief","rbc_mmm_category-managing-expenses","rbc_mmm_category-money-academy","rbc_mmm_category-struggling-to-make-ends-meet"],"acf":{"contently_publication_id":"191536","custom_author":"RBC","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- 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