Budgeting isn’t just about cutting costs — it’s about building a life you control. Whether you're saving for a goal, escaping debt, or simply trying to stop wondering where your money went, these 10 smart budgeting tips will help you take charge of your finances from the ground up. This guide is designed for beginners, but even seasoned savers will find nuggets of wisdom to sharpen their money game. 🧠1. Understand Your “Why” Before You Budget Before diving into spreadsheets or apps, ask yourself: Why do I want to budget? Saving for a car, house, or vacation? Escaping the paycheck-to-paycheck cycle? Paying off debt or building wealth? Knowing your motivation gives your budget purpose. It turns budgeting from a chore into a mission. 📊 2. Track Every Naira (or Dollar) You Spend You can’t fix what you don’t measure. Start by tracking your expenses for 30 days. Tools to Use : Budgeting apps: Mint, YNAB, Spendee Spreadsheets or journals Bank statement reviews Even ₦500 here and there...