[{"data":1,"prerenderedAt":66},["ShallowReactive",2],{"term:budget":3},{"term":4,"related":53},{"id":5,"title":6,"body":7,"category":35,"description":36,"extension":37,"faq":38,"meta":39,"navigation":40,"path":41,"related":42,"seo":46,"stem":47,"takeaways":48,"__hash__":52},"terms\u002Fterms\u002Fbudget.md","Budget",{"type":8,"value":9,"toc":29},"minimark",[10,15,19,22,26],[11,12,14],"h2",{"id":13},"understanding-budget","Understanding Budget",[16,17,18],"p",{},"A budget lists expected income and assigns it to expenses, savings, and debt payments. It turns vague intentions into specific numbers you can track.",[16,20,21],{},"Popular approaches include the 50\u002F30\u002F20 rule, zero-based budgeting (every dollar gets a job), and the envelope method. The best budget is the one you will actually keep.",[11,23,25],{"id":24},"example","Example",[16,27,28],{},"On $4,000 a month after tax, the 50\u002F30\u002F20 rule suggests $2,000 for needs, $1,200 for wants, and $800 for savings and extra debt payments.",{"title":30,"searchDepth":31,"depth":31,"links":32},"",2,[33,34],{"id":13,"depth":31,"text":14},{"id":24,"depth":31,"text":25},"personal-finance","A plan for how you will spend and save your income.","md",[],{},true,"\u002Fterms\u002Fbudget",[43,44,45],"emergency-fund","net-worth","debt-to-income-ratio",{"title":6,"description":36},"terms\u002Fbudget",[49,50,51],"A budget plans income across spending, saving, and debt.","Tracking a month of real spending is the best starting point.","Automating savings makes a budget easier to keep.","e0IYso6U3nJ8-Z_rlFMpcHp1Cm5dGjqmR2epUPzZ-mg",[54,58,62],{"title":55,"description":56,"path":57},"Debt-to-Income Ratio (DTI)","Your monthly debt payments divided by your gross monthly income.","\u002Fterms\u002Fdebt-to-income-ratio",{"title":59,"description":60,"path":61},"Emergency Fund","Cash set aside for unexpected, necessary expenses such as job loss or urgent repairs.","\u002Fterms\u002Femergency-fund",{"title":63,"description":64,"path":65},"Net Worth","What you own minus what you owe.","\u002Fterms\u002Fnet-worth",1793374004673]