Top 3 Budgeting Tips for First-Time Earners

Starting to earn money is exciting — but it’s easy to overspend without realizing it. Here are three smart budgeting tips:

1. Use the 50/30/20 rule: 50% needs, 30% wants, 20% savings/debt.

2. Track everything for 30 days to find your spending patterns.

3. Automate savings — treat it like a non-negotiable expense.

Budgeting isn’t about restriction; it’s about freedom — freedom to spend on what truly matters without guilt.