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Money is a very interesting subject, but we need to know how to spend at the same rate that we earn and do not earn. In this book, we will learn how to plan a budget and spend it judiciously within our income group. The phrase little water makes a powerful ocean. When someone takes too much without being judicious, such water can run dry. The chapters in this book break down money management into practical steps and also help you know how to spend your money at the required time. Managing money, tracking expenses and reviewing your budget can sometimes be time consuming. Everyone has a busy life and every penny earned is expected to control your finances and expenses can be quite intensive. The ultimate goal of this book is to help you become a prudent lender and only spend on those matters. To get authority over the budget, one needs to determine their income earned as a salary or side hustle, then make a very good estimate of their monthly needs and variations. After you consolidate your income and determine your expenses, it makes budgeting easier for you. You can use the budget application to help review spending habits. It also helps you to be more conscious of spending money.