use the 50 – 30 – 20 rule for budgeting with money

if you are overwhelmed with budgeting , the 50 – 20 – 30 rule is a great place to start

50 % of your income goes towards your needs – rent , utilities, groceries

20 % of your income goes towards retirement instruments – long term savings and retirement accounts

30 % of your income goes towards the wants – eating out , movies , nicer items in life