A budget is a plan, not a punishment. It helps you decide consciously where the money goes.

Collect the data

Review your expenses from the last 2–3 months in the “Charts” and “Average spending” windows.

Choose categories to cut

Decide which categories you want to reduce (e.g. food, entertainment).

Set limits

In the “Budgets” window set limits slightly below your current spending. Introduce changes gradually.

Track progress

Check the progress bars once a week and react when they turn orange.