{"id":57377,"date":"2019-06-06T19:01:00","date_gmt":"2019-06-06T19:01:00","guid":{"rendered":""},"modified":"2024-07-22T14:25:55","modified_gmt":"2024-07-22T18:25:55","slug":"when-it-comes-to-your-money-budgets-put-you-in-control","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/when-it-comes-to-your-money-budgets-put-you-in-control\/","title":{"rendered":"When It Comes to Your Money, Budgets Put You in Control"},"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\">When It Comes to Your Money, Budgets Put You in Control<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/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\/June_Thumbnail-default_402x-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Sarah Baeumler checking her banking app on a phone\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/June_Thumbnail-default_402x-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/June_Thumbnail-default_402x-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/June_Thumbnail-default_402x-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=When It Comes to Your Money, Budgets Put You in Control &#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\/when-it-comes-to-your-money-budgets-put-you-in-control\/\">\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\/when-it-comes-to-your-money-budgets-put-you-in-control\/\">\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 June 6, 2019 \u2022 4 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>For many, budgeting is kind of a scary word, invoking visions of hard work, tricky spreadsheets and rigorous rules that limit your fun and freedom. But the thing is, budgeting doesn&#8217;t have to be difficult or time consuming \u2014 nor does it have to mean cutting out the things you enjoy. Rather, budgeting puts you in control of your day-to-day spending and financial future by making you more aware of where your money is going.<\/p>\n\n\n\n<p>For HGTV Canada&#8217;s Sarah Baeumler, budgeting is an essential part of her financial routine, and has allowed her and her family to manage through the tight times, save for what&#8217;s important, and reach meaningful goals.<\/p>\n\n\n\n<p>Here are some of the ways budgeting has helped Sarah manage her money \u2014 and how it can help you free up extra dollars, save for your goals and live a financially healthy lifestyle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Spend less on the things you don&#8217;t need<\/h2>\n\n\n\n<p>\u201cLike many families, our children love to play games on their ipads when we are travelling. However, we quickly realized that small in-app purchases quickly add up when multiplied by four children,&#8221; Sarah says.<\/p>\n\n\n\n<p class=\"has-black-color has-rbc-bright-blue-tint-4-background-color has-text-color has-background\">Setting a budget with each child for the amount of games or in-app purchases they can make has helped to teach them about money management on a smaller scale and has also helped us to curb spending.<\/p>\n\n\n\n<p>For grown-ups, a budget can help you see where your money is going. This is where the early magic happens \u2014 you&#8217;ll soon realize you&#8217;re spending $9.99 month on a subscription or app you forgot about, or you see how your casual visits to the coffee shop are amounting to a small fortune.<\/p>\n\n\n\n<p>A budget isn&#8217;t about cutting out the stuff you love \u2014 it&#8217;s finding where you&#8217;re spending on things that aren&#8217;t important to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pay down debt faster<\/h2>\n\n\n\n<p>By categorizing your expenses \u2014 including your day-to-day costs, monthly bills, rent\/mortgage and your debt \u2014 you&#8217;re bringing more awareness to your financial obligations. Your debt \u2014 and the interest you&#8217;re paying to carry it \u2014 may become something you feel compelled to address, rather than hide from.<\/p>\n\n\n\n<p>Once you&#8217;ve seen your current financial picture, you&#8217;ll be able to identify where you might cut back so you can direct more money to paying down your debt and reducing your interest costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Spend where it counts<\/h2>\n\n\n\n<p>&#8220;Budgets are not written in stone,&#8221; Sarah says, &#8220;They are a guide to help you achieve all of your life goals and provide support and direction when you need it.&#8221;<\/p>\n\n\n\n<p>Finding it tough to set money aside to save? By cutting back on expenses that don&#8217;t support your goals, you can steer more funds to your savings and reach your financial goals sooner.<\/p>\n\n\n\n<p>\u201cBryan and I have always set goals for ourselves. Whether it be for places we hope to travel, or career goals we wish to accomplish \u2014 our plans always require a budget. The important thing to remember about a budget is that it is a living document that must continuously be adapted and altered each year or even each month.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Spot problems early \u2014 and adjust<\/h2>\n\n\n\n<p>Are your expenses beginning to outpace your income? Have a few unexpected costs popped up recently? Before your account drops dangerously low or your credit card balance balloons, your trusty budget will show you if things are trending the wrong way. A budget eliminates unpleasant surprises, allowing you to take corrective action when needed and stay ahead of the game.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Stay focused<\/h2>\n\n\n\n<p>The thing with a budget is that it&#8217;s not a one-and-done kind of exercise. For it to work you need to check in with it and see how you&#8217;re tracking to your spending objectives. This regular review can help you avoid overspending and keep you focused on your financial goals \u2014 whether it&#8217;s saving for something important or becoming debt-free.<\/p>\n\n\n\n<p>With the right tools, this routine check-in doesn&#8217;t have to be a lot of work \u2014 or even initiated by you. <a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/index.html?promo_name=ENT_Digital&amp;Mobile_DNL&amp;promo_id=213137&amp;promo_position=body&amp;promo_creative=When It Comes to Your Money, Budgets Put You in Control\">Apps that track your budget<\/a> for you and send you updates on how you&#8217;re doing can let you stay on top of things without the work.<\/p>\n\n\n\n<figure class=\"wp-block-image mar-b-hlf mob-mar-b-hlf mar-t-hlf mob-mar-t-hlf pad-b-hlf mob-pad-b-hlf pad-t-hlf\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/08\/June_DLBaeumlerNOMI_FBLP_16x9_2800329_for_S-33.jpg\" alt=\"The NOMI app open, displaying the user's budget for transportation\n\" class=\"wp-image-20344\" \/><\/figure>\n\n\n\n<p>&#8220;Over this past year, I have relied on <a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/index.html?promo_name=ENT_Digital&amp;Mobile_DNL&amp;promo_id=213137&amp;promo_position=body2&amp;promo_creative=When It Comes to Your Money, Budgets Put You in Control\">automated budget tools<\/a> to help manage our expenses in Canada as well as manage the additional costs of this year of business abroad. By using an automated system, it&#8217;s allowed me to keep track of both our personal and business expenses while living outside of Canada and has provided us with a sense of comfort that nothing will slip through the cracks,&#8221; Sarah says.<br><\/p>\n\n\n\n<div class=\"wp-block-group block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-f56a869c wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-nomi-budgets-takes-the-math-out-of-managing-your-money-by-doing-the-thinking-for-you\">NOMI Budgets takes the math out of managing your money by doing the thinking for you.<\/h3>\n\n\n\n<p class=\"has-text-align-center\">Get personalized budgets based on your spending and help to you stay on track by sending you updates.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><br>Check the latest <a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/mobile\/rbc-mobile-app\/index.html?promo_name=ENT_Digital&amp;Mobile_DNL&amp;promo_id=213137&amp;promo_position=calloutbox2&amp;promo_creative=When%20It%20Comes%20to%20Your%20Money,%20Budgets%20Put%20You%20in%20Control\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-57377-e3714c0a\" data-dig-label=\"RBC Mobile\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">RBC Mobile<\/a> app to get started.<\/p>\n<\/div>\n\n\n\n<p><br><\/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-d8fd9df7-8b10-4faf-b53a-edf1d9151a12\" 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=When It Comes to Your Money, Budgets Put You in Control &#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\/when-it-comes-to-your-money-budgets-put-you-in-control\/\">\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\/when-it-comes-to-your-money-budgets-put-you-in-control\/\">\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-c33c1b9d-3cc6-4764-84be-37e60d1b6745\" 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\/budgeting\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Budgeting<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Credit and Debt<\/a>\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 eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/iStock-1488068802.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail 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class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_2044837280.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Hand holding black umbrella over white piggy bank symbolizing financial protection\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_2044837280.jpg 6720w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_2044837280.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_2044837280.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_2044837280.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_2044837280.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_2044837280.jpg?resize=2048,1365 2048w\" 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\/debt-and-stress-relief\/unexpected-events\/money-in-an-emergency\/\">\n\t\t\t\t\t\tMoney in an Emergency\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\/debt-and-stress-relief\/unexpected-events\/money-in-an-emergency\/emergency-fund-guide\/\" class=\"card-title h4 mar-t-0\">Your Complete Emergency Fund 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possible.<\/p>\n","protected":false},"author":10,"featured_media":51505,"parent":57314,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[517,510,77,48],"rbc_content_type":[31],"rbc_audience":[59,39,61],"rbc_lob_group":[506],"rbc_difficulty_level":[33],"rbc_mmm_category":[318,403,367,302,328,304,306],"class_list":["post-57377","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-budgeting","tag-credit-and-debt","tag-personal-finance","tag-savings","rbc_content_type-article","rbc_audience-newcomer","rbc_audience-parents","rbc_audience-youth","rbc_lob_group-ways-to-bank","rbc_difficulty_level-beginner","rbc_mmm_category-banking-basics","rbc_mmm_category-baeumler","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":"213137","custom_author":"Diane 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