How to Create a Budget and Stick to It: A Baddie's Guide

Blog Summary: Learn how to create a budget that fits your lifestyle and stick to it like a disciplined diva. This beginner-friendly guide is perfect for baddies who want structure without sacrificing style.

Step 1: Track Yo' Coins

Start by tracking every dollar you spend for 30 days. Use a spending tracker, budgeting app, or even a cute Baddies and Budgets worksheet. You need to know where your money is really going before you can tell it where to go.

Step 2: Pick a Budgeting Method That Matches Your Vibe

Zero-based budgeting, cash envelopes, 50/30/20? Choose one that makes sense for your lifestyle and mindset. You can always switch it up later. The goal is progress, not perfection.

Step 3: Make It Cute

Let’s be honest—if it’s not cute, you probably won’t use it. Invest in a stylish budget binder, highlighters, stickers, and fun savings challenges that make budgeting feel less like work and more like self-care.

Step 4: Automate and Adjust

Set up automatic transfers for your bills and savings, then check in weekly to adjust based on what’s real. Life happens, and your budget should be flexible.

Step 5: Celebrate Small Wins

Paid off a bill? Stayed under budget for groceries? Sis, CELEBRATE! Budgeting is a journey, not a jail sentence.

Ready to budget like a baddie? Check out our full collection of budgeting tools at Baddies and Budgets.