Financial Wisdom from the Minister of Enjoyment

How to Start Your Budget: Auditing Income and Expenses for Financial Clarity Starting a budget may feel overwhelming, but the foundation of any successful financial plan begins with a clear audit of income and expenses. Before you can cut costs, build savings, or invest for the future, you need to understand where your money comes from and where it goes. This process—often called a budget audit or a personal financial review—is the first and most critical step toward financial stability. Why Aud