Budgeting doesn’t have to be a guessing game. Use this Ideal Budget tool to see exactly what you spend monthly on all categories of spending. This exercise will give you a clear idea of how your spending stacks up against the Ideal Budget percentages. You won’t match up exactly in every category. Going under in a category will give you margin to put in categories where you need more to spend. The two categories you want to watch overspending on are housing and transportation. If you have a lot of unused money in a month this is great news! BUT, don’t leave this money in your bank account. It will get spent. Give this money a job. Use it to pay off debt, build up your emergency fund, or whatever your #1 financial priority is.