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Home » How To Make A Budget | Budgeting For Beginners | Aja Dang financial goals worksheet

How To Make A Budget | Budgeting For Beginners | Aja Dang financial goals worksheet



Hey everyone! I’m Aja Dang and after an entire year of budgeting and paying off debt, I finally put together a How To Budget video. I didn’t want to go too in …

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How To Make A Budget | Budgeting For Beginners | Aja Dang

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How To Make A Budget | Budgeting For Beginners | Aja Dang
financial goals worksheet
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16 thoughts on “How To Make A Budget | Budgeting For Beginners | Aja Dang financial goals worksheet”

  1. Hey everyone! I wanted to make this video as simple as possible (without scaring some new budgeters) but I do want to add some answers that I feel you all might ask:
    1. I paid off my loans from smallest debt to largest. It didn't matter what the interest rate was. Paying off debts smallest to largest has allowed me to feel the confidence of paying off loans, which has driven me throughout the process. But you do you.
    2. I don't do a zero-based budget (meaning you have given e.v.e.r.y. single cent of your money a place to go before the month ends.) As a freelancer, that makes me really uncomfortable as my income isn't guaranteed. So any income left after completing my budget is thrown to my loans and then I keep a little cushion in my bank account every month. That "cushion" really depends on how confident I feel about the amount I'm getting paid next.
    3. I also have a $10,000 emergency fund. Dave Ramsey suggests $1,000 but again, as a freelancer, I've had months where I wasn't paid ANYTHING. zero. So this emergency fund + the cushion I leave in my account each month, makes me comfortable enough to throw as much money I can towards my student loans.

    I think that's it!

  2. I just found out that I earn 20% less than average in my Job. I feel betrayed honestly. I work for this Company for 4 years and have not gotten a real pay raise in that time.

  3. Thank you so much. Brilliant video. I am a newby to excel and creating/designing a budget. I am gettting confused with all the formulas etc as I have 4 checking accounts and I don't know how to budget them all together and link them all up as one. I have scrapped the old budget btw and starting afresh. New beginnings. Thanks again Aja.

  4. Thank you so much for your videos! I have been following Dave Ramsey for about 1 1/2 years, but started watching your videos. It has really given me the extra push to tackle my debt even more. I have $50k in student loan debt and will start working on that at the new year. I am excited to pay off a personal loan this month (maturity date was 11/2023!). Thanks again!

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