Budgeting Made Easy

You can relax when you have control of your money. See how easy it can be to build your budget.

Your budget is important. Know where your money goes

Your budget is important. Know where your money goes

Your budget is important. Know where your money goes

Learn More

Top tips on budgeting

Top tips on budgeting

Top tips on budgeting

Learn More

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Your easy way to build a budget

Your easy way to build a budget

Your easy way to build a budget

Learn More

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These apps can get you started

These apps can get you started

These apps can get you started

Learn More

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Why your budget is important. Know where your money goes

Why your budget is important. Know where your money goes

Why your budget is important. Know where your money goes


☑️ Gain Control Over Your Money:

A budget helps you take control of your money rather than letting it control you. By tracking income and expenses, you can make informed decisions
about your spending, saving and investing.


☑️ Gain Control Over Your Money:

A budget helps you take control of your money rather than letting it control you. By tracking income and expenses, you can make informed decisions
about your spending, saving and investing.


☑️ Gain Control Over Your Money:

A budget helps you take control of your money rather than letting it control you. By tracking income and expenses, you can make informed decisions
about your spending, saving and investing.


🎯 Helps You Achieve Financial Goals:

Whether it’s saving for a down payment on a house or investing in the stock market, a budget allows you to allocate funds towards your goals, ensuring you stay on track to achieve them.


🎯 Helps You Achieve Financial Goals:

Whether it’s saving for a down payment on a house or investing in the stock market, a budget allows you to allocate funds towards your goals, ensuring you stay on track to achieve them.


🎯 Helps You Achieve Financial Goals:

Whether it’s saving for a down payment on a house or investing in the stock market, a budget allows you to allocate funds towards your goals, ensuring you stay on track to achieve them.

A pink piggy bank with a gold coin on top
A pink piggy bank with a gold coin on top
A pink piggy bank with a gold coin on top


😌 Reduces Stress:

According to this Forbes article, Stress Statistics And Facts In 2024, money is a major source of stress for 66% of Americans. Knowing where your money is going and having a plan in place reduces financial uncertainty and stress.


😌 Reduces Stress:

According to this Forbes article, Stress Statistics And Facts In 2024, money is a major source of stress for 66% of Americans. Knowing where your money is going and having a plan in place reduces financial uncertainty and stress.


😌 Reduces Stress:

According to this Forbes article, Stress Statistics And Facts In 2024, money is a major source of stress for 66% of Americans. Knowing where your money is going and having a plan in place reduces financial uncertainty and stress.


🤑 Prevents Overspending:

A budget sets limits on your spending, helping you avoid unnecessary high-interest debt and ensuring you live within your means.


🤑 Prevents Overspending:

A budget sets limits on your spending, helping you avoid unnecessary high-interest debt and ensuring you live within your means.


🤑 Prevents Overspending:

A budget sets limits on your spending, helping you avoid unnecessary high-interest debt and ensuring you live within your means.

A pink piggy bank with a gold coin on top
A pink piggy bank with a gold coin on top
A pink piggy bank with a gold coin on top
A pink piggy bank with a gold coin on top
A pink piggy bank with a gold coin on top
A pink piggy bank with a gold coin on top


📈 Increases Savings and Investments:

You can identify areas where you can cut back on spending and redirect those funds into savings or investments. Apps like Beanstox can help you build wealth over time.


📈 Increases Savings and Investments:

You can identify areas where you can cut back on spending and redirect those funds into savings or investments. Apps like Beanstox can help you build wealth over time.


📈 Increases Savings and Investments:

You can identify areas where you can cut back on spending and redirect those funds into savings or investments. Apps like Beanstox can help you build wealth over time.


🚨 Prepares You for Emergencies:

Having a budget allows you to build an emergency fund, which is crucial for unexpected expenses or financial setbacks. Not sure how much you need to save for emergencies? Some experts say 3-6 months of living expenses. Still not sure? Here’s an emergency fund calculator.

Budgeting is not about restricting your spending; it’s about making better financial decisions.


🚨 Prepares You for Emergencies:

Having a budget allows you to build an emergency fund, which is crucial for unexpected expenses or financial setbacks. Not sure how much you need to save for emergencies? Some experts say 3-6 months of living expenses. Still not sure? Here’s an emergency fund calculator.

Budgeting is not about restricting your spending; it’s about making better financial decisions.


🚨 Prepares You for Emergencies:

Having a budget allows you to build an emergency fund, which is crucial for unexpected expenses or financial setbacks. Not sure how much you need to save for emergencies? Some experts say 3-6 months of living expenses. Still not sure? Here’s an emergency fund calculator.

Budgeting is not about restricting your spending; it’s about making better financial decisions.

Top tips on budgeting

Top tips on budgeting

Top tips on budgeting


🤏 Start Small:

If budgeting feels overwhelming, start with a simple budget. Track just a few categories like housing, groceries, entertainment, and savings. As you get more comfortable, expand your budget to include more categories.


🤏 Start Small:

If budgeting feels overwhelming, start with a simple budget. Track just a few categories like housing, groceries, entertainment, and savings. As you get more comfortable, expand your budget to include more categories.


🤏 Start Small:

If budgeting feels overwhelming, start with a simple budget. Track just a few categories like housing, groceries, entertainment, and savings. As you get more comfortable, expand your budget to include more categories.


🚩 Use the 50/30/20 Rule¹:

A popular budgeting rule is to allocate 50% of your income to needs, 30% to wants, and 20% to savings, investing, and debt repayment.


🚩 Use the 50/30/20 Rule¹:

A popular budgeting rule is to allocate 50% of your income to needs, 30% to wants, and 20% to savings, investing, and debt repayment.


🚩 Use the 50/30/20 Rule¹:

A popular budgeting rule is to allocate 50% of your income to needs, 30% to wants, and 20% to savings, investing, and debt repayment.


🔄 Automate Savings:

Set up automatic transfers to your savings or investment accounts. This ensures you save consistently without having to think about it. Beanstox offers investors Power Savings investment accounts to invest in T-Bill ETFs to earn more on their invested cash.


🔄 Automate Savings:

Set up automatic transfers to your savings or investment accounts. This ensures you save consistently without having to think about it. Beanstox offers investors Power Savings investment accounts to invest in T-Bill ETFs to earn more on their invested cash.


🔄 Automate Savings:

Set up automatic transfers to your savings or investment accounts. This ensures you save consistently without having to think about it. Beanstox offers investors Power Savings investment accounts to invest in T-Bill ETFs to earn more on their invested cash.


🔎 Review and Adjust Regularly:

Your financial situation can change, so it’s important to review your budget regularly. Adjust your budget as needed to reflect changes in income or expenses. Learn more about, How to Build a Budget.


🔎 Review and Adjust Regularly:

Your financial situation can change, so it’s important to review your budget regularly. Adjust your budget as needed to reflect changes in income or expenses. Learn more about, How to Build a Budget.


🔎 Review and Adjust Regularly:

Your financial situation can change, so it’s important to review your budget regularly. Adjust your budget as needed to reflect changes in income or expenses. Learn more about, How to Build a Budget.


🗑 Cut Unnecessary Expenses:

Look for areas where you can cut back, such as dining out less, canceling unused streaming service or gym memberships. Find cheaper alternatives. Redirect the savings towards saving and investing.


🗑 Cut Unnecessary Expenses:

Look for areas where you can cut back, such as dining out less, canceling unused streaming service or gym memberships. Find cheaper alternatives. Redirect the savings towards saving and investing.


🗑 Cut Unnecessary Expenses:

Look for areas where you can cut back, such as dining out less, canceling unused streaming service or gym memberships. Find cheaper alternatives. Redirect the savings towards saving and investing.


💵 Use Cash for Discretionary Spending:

Consider using cash for categories like entertainment or dining out. When the cash runs out, you know it’s time to stop spending.


💵 Use Cash for Discretionary Spending:

Consider using cash for categories like entertainment or dining out. When the cash runs out, you know it’s time to stop spending.


💵 Use Cash for Discretionary Spending:

Consider using cash for categories like entertainment or dining out. When the cash runs out, you know it’s time to stop spending.


👨‍👩‍👧‍👦 Involve Your Family:

If you’re budgeting as a family, involve everyone in the process. This helps ensure that everyone is on the same page and working towards the same financial goals. 


Budgeting can be easy and fun and doesn’t need to be difficult or restrictive. The key to successful budgeting is consistency—stick with it, and you’ll see the benefits over time.


  1. 50/30/20 Rule: https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp


👨‍👩‍👧‍👦 Involve Your Family:

If you’re budgeting as a family, involve everyone in the process. This helps ensure that everyone is on the same page and working towards the same financial goals. 


Budgeting can be easy and fun and doesn’t need to be difficult or restrictive. The key to successful budgeting is consistency—stick with it, and you’ll see the benefits over time.


  1. 50/30/20 Rule: https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp


👨‍👩‍👧‍👦 Involve Your Family:

If you’re budgeting as a family, involve everyone in the process. This helps ensure that everyone is on the same page and working towards the same financial goals. 


Budgeting can be easy and fun and doesn’t need to be difficult or restrictive. The key to successful budgeting is consistency—stick with it, and you’ll see the benefits over time.


  1. 50/30/20 Rule: https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp

Your easy way to build a budget

Your easy way to build a budget

Your easy way to build a budget


🔢 Calculate Your Income:  

Start by determining your total monthly income, including your salary, side gigs, and any other sources of income. This gives you a clear picture of how much money you have to work with.  


🔢 Calculate Your Income:  

Start by determining your total monthly income, including your salary, side gigs, and any other sources of income. This gives you a clear picture of how much money you have to work with.  


🔢 Calculate Your Income:  

Start by determining your total monthly income, including your salary, side gigs, and any other sources of income. This gives you a clear picture of how much money you have to work with.  


📝 List Your Expenses:

Write down all your monthly expenses, including rent, utilities, groceries, transportation, debt payments, and discretionary spending. Be thorough to ensure you don’t miss anything. 


📝 List Your Expenses:

Write down all your monthly expenses, including rent, utilities, groceries, transportation, debt payments, and discretionary spending. Be thorough to ensure you don’t miss anything. 


📝 List Your Expenses:

Write down all your monthly expenses, including rent, utilities, groceries, transportation, debt payments, and discretionary spending. Be thorough to ensure you don’t miss anything. 


🗂️ Categorize Expenses:

Break your expenses into categories such as necessities (e.g. rent, utilities, transportation and groceries) and non-essentials (e.g. dining out, entertainment, streaming services). This helps you see where you have flexibility in your budget.


🗂️ Categorize Expenses:

Break your expenses into categories such as necessities (e.g. rent, utilities, transportation and groceries) and non-essentials (e.g. dining out, entertainment, streaming services). This helps you see where you have flexibility in your budget.


🗂️ Categorize Expenses:

Break your expenses into categories such as necessities (e.g. rent, utilities, transportation and groceries) and non-essentials (e.g. dining out, entertainment, streaming services). This helps you see where you have flexibility in your budget.


🎯 Set Financial Goals:

Determine your short-term and long-term financial goals, such as saving for an emergency fund, paying off debt, or investing. Remember to set aside a portion of your income towards these goals.


🎯 Set Financial Goals:

Determine your short-term and long-term financial goals, such as saving for an emergency fund, paying off debt, or investing. Remember to set aside a portion of your income towards these goals.


🎯 Set Financial Goals:

Determine your short-term and long-term financial goals, such as saving for an emergency fund, paying off debt, or investing. Remember to set aside a portion of your income towards these goals.


🔀 Allocate Income to Expenses and Goals:

Assign specific amounts of your income to each expense category and your financial goals. Make sure your total allocations don’t exceed your total income.


🔀 Allocate Income to Expenses and Goals:

Assign specific amounts of your income to each expense category and your financial goals. Make sure your total allocations don’t exceed your total income.


🔀 Allocate Income to Expenses and Goals:

Assign specific amounts of your income to each expense category and your financial goals. Make sure your total allocations don’t exceed your total income.


📊 Track and Adjust:

You can start with a simple spreadsheet. Here is a free template from NerdWallet. Monitor your spending throughout the month and compare it to your budget. Adjust your budget as needed to stay on track or accommodate changes in your income or expenses.


Building a budget may seem scary at first, but it’s a step towards financial success.


📊 Track and Adjust:

You can start with a simple spreadsheet. Here is a free template from NerdWallet. Monitor your spending throughout the month and compare it to your budget. Adjust your budget as needed to stay on track or accommodate changes in your income or expenses.


Building a budget may seem scary at first, but it’s a step towards financial success.


📊 Track and Adjust:

You can start with a simple spreadsheet. Here is a free template from NerdWallet. Monitor your spending throughout the month and compare it to your budget. Adjust your budget as needed to stay on track or accommodate changes in your income or expenses.


Building a budget may seem scary at first, but it’s a step towards financial success.

These apps can get you started

These apps can get you started

These apps can get you started

You can choose from many budgeting apps including the ones listed below to get started. Beanstox does not endorse or have any affiliation with the following companies.

You can choose from many budgeting apps including the ones listed below to get started. Beanstox does not endorse or have any affiliation with the following companies.

You can choose from many budgeting apps including the ones listed below to get started. Beanstox does not endorse or have any affiliation with the following companies.

"The easy-to-use zero-based budgeting app that helps you keep tabs on your money at a glance."

"The easy-to-use zero-based budgeting app that helps you keep tabs on your money at a glance."

"The easy-to-use zero-based budgeting app that helps you keep tabs on your money at a glance."

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"Bringing the cash envelope system to the digital age."

"Bringing the cash envelope system to the digital age."

"Bringing the cash envelope system to the digital age."

"Makes it easy to organize your money and set funds aside, keeping your family perfectly in sync with your finances."

"Makes it easy to organize your money and set funds aside, keeping your family perfectly in sync with your finances."

"Makes it easy to organize your money and set funds aside, keeping your family perfectly in sync with your finances."

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"Create a friendly, flexible plan and spend it well with YNAB."

"Create a friendly, flexible plan and spend it well with YNAB."

"Create a friendly, flexible plan and spend it well with YNAB."

Disclaimer: Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.

Beanstox has identified certain non-related third-party service providers as of potential interest for clients, however Beanstox is not recommending any such third-party service providers, and is not responsible for any advice, information or content provided by them. You should assess each service provider. Unless otherwise indicated, third-party service providers may charge fees to you directly. By accessing each third-party service provider’s website, App, or any other online services, you understand and agree that you are subject to the terms and conditions set out by each third-party service provider.

More Easy Explanations

More Easy Explanations

More Easy Explanations

Get Started with Beanstox

Get Started with Beanstox

Get Started with Beanstox

Set yourself up for a better future, with the freedom and security that come from having a growing portfolio. Download Beanstox and set up your automated recurring deposits today!

Set yourself up for a better future, with the freedom and security that come from having a growing portfolio. Download Beanstox and set up your automated recurring deposits today!

Set yourself up for a better future, with the freedom and security that come from having a growing portfolio. Download Beanstox and set up your automated recurring deposits today!

Check Out the Beanstox App

Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.

Copyright © 2024 Beanstox. All Rights Reserved

Check Out the Beanstox App

Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.

Copyright © 2024 Beanstox. All Rights Reserved

Check Out the Beanstox App

Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.

Copyright © 2024 Beanstox. All Rights Reserved