also called net income or take-home pay. After-tax income is usually just that – the money you have left after federal and state taxes come out. For budgeting purposes, if you also have money ...

Have you ever wondered how to make a zero based budget? If you’re ready to start budgeting and get your finances organized, a ...

get clear on how much money is coming in. Note the monthly take-home pay total, then take a first whack at a budget. One option is the 50/30/20 budget. It splits your income three ways ...

for home repairs or annual insurance premiums) by setting aside money for them each month, while the third rule encourages you to make adjustments if you run out of money in one of your budgeting ...

A good budget helps you reach your spending and savings ... You can add and delete rows as necessary to reflect your personal finances. Return and repeat as you track your actual spending.

Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as ...

Set Clear Financial Goals Your goals are the foundation of an effective budget. Are you aiming to build an emergency fund, eliminate credit card debt, or invest in a home? Clear, measurable goals ...

Our free budgeting calculator will help you save time and avoid mistakes when you need to understand where your money is going every month. How the Budgeting Calculator Works To use our free ...

Budgeting apps make managing your money easier. Our Best in Finance award winners give you valuable insight into your finances Staff Senior Editor, Buy Side from WSJ Miranda Marquit is a staff ...

Note that this budget was created from Steinert's take-home pay, meaning the money available after he pays taxes, contributes to a 401(k), and, in the case of 2014, pays for health insurance.