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Definition of 'bogey'

IPA Pronunciation Guide

bogey in British English 1

Bogey in british english 2, bogey in american english, bogey in american english 1, bogey in american english 2, examples of 'bogey' in a sentence bogey, cobuild collocations bogey, trends of bogey.

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In other languages bogey

  • American English : bogey / ˈboʊgi /
  • Brazilian Portuguese : espectro
  • Chinese : 担心之事
  • European Spanish : temor
  • French : bête noire
  • German : Schreckgespenst
  • Italian : spauracchio
  • Japanese : 悩みの種
  • Korean : 이유없이 두려운 것
  • European Portuguese : espectro
  • Latin American Spanish : temor

Browse alphabetically bogey

  • All ENGLISH words that begin with 'B'

Related terms of bogey

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What Is a Budget?

Understanding budgeting, how to budget in 7 steps, corporate budgets, personal budgets, first steps in building a budget, how to build a complete budget, sticking to a budget.

  • Ways to Budget When Broke
  • Budget FAQs

The Bottom Line

  • Budgeting & Savings

What Is a Budget? Plus 10 Budgeting Myths Holding You Back

what does bogeying mean

The term budget refers to an estimation of  revenue and expenses over a specified future period of time and is usually compiled and re-evaluated on a periodic basis. Budgets can be made for any entity that wants to spend money, including governments and businesses, along with people and households at any income level.

To manage your monthly expenses, prepare for life's unpredictable events, and be able to afford big-ticket items without going into debt, budgeting is important. Keeping track of how much you earn and spend doesn't have to be drudgery, doesn't require you to be good at math, and doesn't mean you can't buy the things you want. It just means that you'll know where your money goes, and you'll have greater control over your finances.

Key Takeaways

  • A budget is an estimation of revenue and expenses over a specified future period of time and is utilized by governments, businesses, and individuals at any income level.
  • A budget is basically a financial plan for a defined period, normally a year that is known to greatly enhance the success of any financial undertaking.
  • Corporate budgets are essential for operating at peak efficiency.
  • Aside from earmarking resources, a budget can also aid in setting goals, measuring outcomes, and planning contingencies.
  • Personal budgets are extremely useful in managing an individual's or family's finances over both the short and long-term horizon.

Investopedia / Julie Bang

A budget is a microeconomic concept that shows the trade-off made when one good is exchanged for another. In terms of the bottom line—or the end result of this trade-off—a surplus budget means profits are anticipated, a balanced budget means revenues are expected to equal expenses, and a deficit budget means expenses will exceed revenues.

The specifics of your budget will depend on your personal financial situation and goals. In most cases, though, the steps for creating a budget are the same. You can make a budget by following seven simple steps.

  • Add up your total income . This should include all sources, such as a paycheck, tips, Social Security, disability, alimony, or investment income.
  • Track your spending. Spend a month keeping track of everything you spend, whether you pay with a credit card or cash, to find what your real expenses are. Be sure to include automatic payments, subscriptions, and utilities.
  • Set financial goals. Do you want to save money? Pay off debt? Stop overspending? Decide on realistic goals. Remember, you can adjust these over time. Pick the most pressing goals, such as paying off debt or creating an emergency fund, first.
  • Calculate mandatory expenses . These are expenses you must pay each month, such as rent, insurance premiums, taxes, childcare, or your cell phone bill. Subtract these from your total income.
  • Identify debt payments. If you are paying off debt, such as student loans or a credit card bill, find the minimum payment for each debt. Subtract that from your income as well.
  • Make a spending plan. The amount of income you have left is what you can spend on discretionary expenses. These can include your goals, such as debt payment or savings. It should also include things like groceries, entertainment, gas, or surprise expenses. Give every dollar a job, based on your goals and what you discovered when you tracked your spending.
  • Adjust each month. Each month, look at your spending and goals, Reevaluate and adjust where you assign your discretionary spending. A flexible budget will help you avoid overspending.

Budgets are an integral part of running any business efficiently and effectively.

Budget Development Process

The process begins by establishing assumptions for the upcoming budget period. These assumptions are related to projected sales trends, cost trends, and the overall economic outlook of the market, industry, or  sector . Specific factors affecting potential expenses are addressed and monitored.

The budget is published in a packet that outlines the standards and procedures used to develop it, including the assumptions about the markets, key relationships with vendors that provide discounts, and explanations of how certain calculations were made.

The sales budget is often the first to be developed, as subsequent expense budgets cannot be established without knowing future cash flows . Budgets are developed for all the different subsidiaries, divisions, and departments within an organization. For a manufacturer, a separate budget is often developed for direct materials, labor, and overhead.

All budgets get rolled up into the master budget, which also includes budgeted financial statements , forecasts of cash inflows and outflows, and an overall financing plan. At a corporation, the top management reviews the budget and submits it for approval to the board of directors.

Static vs. Flexible Budgets

There are two major types of budgets: static budgets and flexible budgets. A static budget remains unchanged over the life of the budget. Regardless of changes that occur during the budgeting period, all accounts and figures originally calculated remain the same.

A flexible budget has a relational value to certain variables. The dollar amounts listed on a flexible budget change based on sales levels, production levels, or other external economic factors.

Both types of budgets are useful for management. A static budget evaluates the effectiveness of the original budgeting process, while a flexible budget provides deeper insight into business operations.

Advisor Insight

Derek Notman, CFP®, ChFC, CLU Intrepid Wealth Partners, LLC, Madison, WI

The importance of budgeting cannot be understated. A budget, also known as cash flow, is arguably more important than the actual cash that you have in your bank and investment accounts. Your cash flow is what allows you to pay for everything (or not).

Without knowing your cash flow, you could be putting yourself into a bad financial situation and not even know it. You can only get by without knowing your cash flow for so long before you get into financial trouble, so make the time you know the flow of your cash. Budgeting should be something that everyone does, regardless of their financial situation.

Individuals and families can have budgets, too. Creating and using a budget is not just for those who need to closely monitor their cash flows from month to month because money is tight. Almost everyone can benefit from budgeting—even people with large paychecks and plenty of money in the bank.

Budgeting is a wonderful tool for managing your finances , but many people think it's not for them. Below is a list of budget myths—the erroneous logic that stops people from keeping track of their finances and allocating money in the best way.

1. I Don't Need to Budget

Having a handle on your monthly income and expenses allows you to make sure your hard-earned money is being put to its highest and best purpose. For those who enjoy an income that covers all bills with money left over, a budget can help maximize savings and investments .

If one's monthly expenses typically consume the lion's share of net income , any budget should focus on identifying and classifying all the expenses that occur during the month, quarter, and year. And for people whose cash flow is tight, it can be crucial for identifying expenses that could be reduced or cut, and minimizing any wasteful interest being paid on credit cards or other debt.

2. I'm Not Good at Math

Thanks to budgeting software, you don't have to be good at math; you simply have to be able to follow instructions. Many of these programs are free and legitimate. If you know how to use spreadsheet software, you can make your own ledger. It's as simple as creating one column for your income, another column for your expenses, and then keeping a running tab on the difference between the two.

3. My Job Is Secure

No one's job is truly safe. If you work for a corporation, being laid off due to downsizing or a takeover always is a possibility. If you work for a small company, it could die with its owner, be bought out, or just fold.

You should always be prepared for a job loss by having at least three months' worth of living expenses in the bank. It's easier to accumulate this financial cushion if you know the amount you're bringing in and spending each month, which can be monitored with a budget.

4. Unemployment Insurance Will Tide Me Over

Unemployment compensation is not a sure thing. Let's say a bad situation at work leaves you with no choice but to quit your job. Unless you can prove constructive discharge (that is, you were virtually forced to resign), your departure will be considered voluntary, making you ineligible for unemployment insurance. Besides, the benefits may fall well short of the wages you're used to: for most states, they average between $300 and $500 per week.

5. I Don't Want to Deprive Myself

Budgeting is not synonymous with spending as little money as possible or making yourself feel guilty about every purchase. The aim of budgeting is to make sure you're able to save a little each month, ideally at least 10% of your income, or at the very least, to make sure that you aren't spending more than you earn.

Unless you're on a very tight budget, you should be able to buy baseball tickets and go out to eat. Tracking your expenses does not change the amount of money you have available to spend every month; it just tells you where that money is going.

6. I Don't Want Anything Big

If you don't have any major savings goals (upsizing your living situation, starting your own business, etc.), it's hard to drum up the motivation to stash away extra cash each month. However, your situation and your attitudes likely will change over time.

Let's say you and your partner live in New York City in a small one-bedroom apartment and things are going fine for the both of you until your family dynamic changes. For instance, you may have a child or an in-law who comes to stay with you indefinitely, which means you'll probably need (and want) more room to accommodate the new addition. If you don't save up for anything big, you may not be able to afford this change in your living situation later on down the road.

7. I Won't Qualify for Student Financial Aid

Yes, the catch-22 of student financial aid is that the more money you have, the less aid you'll be eligible for. That's enough to make anyone wonder if it isn't better to just spend it all and have no savings in order to qualify for the maximum amount of grants and loans.

But that catch mainly applies to earned income . Whether you are an adult student going back to school or the parent of a student headed to college, the Free Application for Federal Student Aid (FAFSA) form (used for Stafford Loans , Perkins Loans , or Pell Grants ), does not require you to report the value of your primary residence (if you own a home) or the value of your retirement accounts.

So if you want to save money without compromising your financial aid eligibility, you can do so by using your savings to buy a house, prepay your mortgage , or contribute more money to your retirement accounts. The savings you put into these assets can still be accessed if you face an emergency, but you won't be penalized for it.

Even if you employ all the available legal strategies to maximize your financial aid eligibility, you still won't always qualify for as much aid as you need, so it's not a bad idea to have your own source of funds to make up for any shortfall.

8. I'm Debt-Free

Good for you! But being debt-free without any savings won't pay your bills in an emergency. A zero balance can quickly become a negative balance if you don't have a safety net.

9. I Always Get a Raise or Tax Refund

It's never a good idea to count on unpredictable sources of income. This may be the year your company may not have enough money to give you a raise or as much of a raise as you'd hoped for. The same is true of bonus money. Tax refunds are more reliable, but this depends in part on how good you are at calculating your own tax liability.

Some people know how to figure how much they'll get in a refund (or how much they will owe) as well as how to adjust this figure through changes in payroll withholding throughout the year. However, changes in tax deductions , IRS regulations, or other life events can mean a nasty surprise on your tax return.

10. I Just Don't Have the Discipline

If you're still not convinced that budgeting is for you, here's a way to protect yourself from your own spending habits. Set up an automatic transfer from your checking account to a savings account you won't see (i.e., at a different bank), scheduled to happen right after you get paid.

If you are saving for retirement, you may have the option of contributing a set amount regularly to a 401(k) or other retirement savings plan. This way, you can pay yourself first, have enough money for the transfer, and pay yourself the same predetermined amount that you know will help you meet your savings goals. 

11. It's a Luxury When I Barely Have Enough for the Essentials

Sometimes budgeting just isn't a priority because you may have too many other things on your plate. But there are certain government programs that can help you manage your household expenses. For instance, the Supplemental Nutrition Assistance Program (SNAP) helps recipients of all income levels work with their food budgets to make their benefits go further.

In general, traditional budgeting starts with tracking expenses, eliminating debt, and once the budget is balanced, building an emergency fund. But to speed up the process, you could start by building a partial emergency fund. This emergency fund acts as a buffer as the rest of the budget is put in place and should replace the use of credit cards for emergency situations.

The key is to build the fund at regular intervals, consistently devoting a certain percentage of each paycheck toward it, and if possible, putting in whatever you can spare on top. This will get you to think about your spending, too.

What's an Emergency?

You should only use the emergency money for true emergencies. For instance, if you lose your job and need to pay for expenses, you could tap into your rainy day fund until you join the workforce again. You can also use this money if you have an unexpected medical emergency that arises.

You would save money if you used your emergency fund to eliminate credit card debt , but the purpose of the fund is to prevent you from having to use your credit card for paying for unexpected expenses. With a proper emergency fund, you will not need your credit card to keep you afloat when something goes wrong.

Downsize and Substitute

Now that you have a buffer between you and high-interest debt, it is time to start the process of downsizing. The more space you can create between your expenses and your income, the more income you will have to pay down debt and invest.

This can be a process of substitution as much as elimination. For example, cancel any recurring subscriptions that you don't regularly use or need. Use half of the money you save to invest or pay off outstanding debts, and save the other half to begin building a home gym in your basement.

Although eliminating expenses entirely is the fastest way to a solid budget, substitution tends to have more lasting effects. So:

  • Consider shopping with friends and family so you can split the cost, especially if you buy in bulk.
  • Carpooling or taking public transport is another great way to cut down on your transportation costs.

People often cut too deep and end up making a budget that they can't keep because it feels like they are giving up everything. Substitution, in contrast, keeps the basics while cutting down costs.

Find New Sources of Income

Why isn't this the first step? If you simply increase your income without a budget to handle the extra cash properly, the gains tend to slip through the cracks and vanish. Once you have your budget in place and have more money coming in than going out (along with the buffer of an emergency fund), you can start investing to create more income.

It is better to have no debt before you begin investing. If you are young, however, the rewards of investing in  higher-risk, high-return vehicles like stocks can outweigh most low-interest debt over time.

Now that you know the steps it takes to build a budget, you'll need to know how to build it. We've outlined the basics of how to craft a comprehensive budget below. Some of the information listed here has already been discussed. But it helps to reiterate it.

  • Calculate your total monthly income. This includes any wages , salaries, tips, benefits, and any other money that you get on a regular, monthly basis.
  • Determine your normal monthly expenses. Some of these are predictable, which makes them easier to work, especially if they don't change every month. Think of your mortgage or rent, utility payments, transportation costs, and other similar expenses. Some may fluctuate each month like your food or clothing costs. In these cases, it's always a good idea to err. onside the caution and budget a little higher. Be sure to include your debt, as well, such as loans and credit card payments.
  • Plan for any extras, including spending money in case you want to dine out, order takeout, see a movie, or do any other activity.
  • Note down any amount that you'll set aside for savings if that's in your plan.

Now that you have these figures, calculate your plan and write it out. A budget doesn't (and can't) work if you don't put it in writing. If you see it, you'll have more incentive to stick to it. You may have to do some juggling, especially in the initial few months. This means adjusting here and there so you stay within your planned budget. But once you've passed this hurdle, it should be fairly problem-free going forward.

If you can, though, keep your receipts and average out how much you spend each month when you build your monthly budget. This can help you determine how much to budget for any expenses that may change from month to month.

Now you understand the finer points of budgeting. You've accomplished all of the above, even putting together a nice spreadsheet that lays out your budget for the next 15 years. The only problem is that sticking to that budget isn't as easy as you thought. That credit card still calls your name, your clothes category seems awfully small and you feel deprived. Budgets, you decide, are no fun.

The good news is you don't have to throw it all out the window just because you've messed up once or twice.

Remember the Big Picture

The point of the budget is to keep you out of overwhelming debt and help you build a financial future that will give you more freedom, not less. So think about how you want your future to be and remember that keeping to your budget will help you get there. Adding to your debt load , on the other hand, will mean that your future could be even tighter.

Remove the Options That Allow You to Cheat on Your Budget

Make it more difficult for yourself to make impulse purchases. In other words, set up barriers so you have time to stop and think: "Is this purchase necessary?" Take yourself off retailer email lists. Remove your stored payment information on your favorite online shops so you can't just click to order.

Find Some Support

If you feel like you're the only one in your group who is on a budget, search and find some like-minded folks. It could be an online forum, a monthly meeting, or even just a couple of friends traveling the same budgetary road. You need to know you're not the only person setting sane financial limits for yourself. You can also have accountability with your frugal buddies, talking things over and each other out of temptation.

Go Old School

There's something powerful about handing over a stack of $20 bills for purchase: It causes you to really think about the amount of money you're about to spend. Swiping a debit card , on the other hand, may not feel nearly as real. Similarly, paying bills by writing checks and promptly entering the sums into your register keeps you up-to-date on how your account is affected in a way that autopay doesn't.

You don't have to use cash exclusively or completely forgo online payments, but handling transactions in old-fashioned ways can make you realize how much you're spending and enhance the power of self-regulation.

Reward Yourself

If you constantly look at what you have to cut and give up, the very act of budgeting becomes distasteful. A mixture of long- and short-term gifts to yourself will help keep you motivated.

When you've been faithful to your budget for a month, give yourself a reward. Even small ones can help, such as a night out with friends, a concert or a little extra cash for spending.

Keep visual reminders of these rewards or the things you're saving up for. Start building associations in your brain—that sticking to your budget has a pleasurable result.

Schedule a Periodic Budget Evaluation

It's difficult to predict how much money you'll need in every category of life; a new job may necessitate a wardrobe change and your clothing budget may not cut it. That's why it's important to have a regular check on how you've created your budget. If it isn't working, tweak it. It is your budget, after all—just make sure you keep your long-term financial goals in the picture.

Educate Yourself

Instead of taking the more common road of instant gratification, which leads so easily to overspending and endless debt, learn all you can about finances, money management , and how you can best invest in yourself. Talk to your financially savvy friends and get real-world tips and advice from people who are doing well with their money.

The more you learn about handling money wisely and its rewards, the more concrete the reasons for budgeting will be, and the better you will be at not only creating a budget that works for you, but also sticking to it.

Ways to Budget When You're Broke

Budgeting strategies sound fine, but if you're in dire straits financially or suffering from mounting bills and a lack of funds, there are some other possible steps to take.

1. Avoid Immediate Disaster

Don't be afraid to request bill extensions or payment plans from creditors. Skipping or delaying payments only worsens your debt—and besides, late fees ding your credit score. 

2. Prioritize Bills

Go over all your bills to see what must be paid first and then set up a payment schedule based on your paydays. You will want to leave yourself some catch-up time if some of your bills are already late.

If this is the case, call the bill companies to see how much you can pay now to get back on track toward positive status. Tell them you are taking strict measures to catch up. Be honest about the amount you can afford to pay; don't just promise to pay the full amount later.

3. Ignore the 10% Savings Rule

Stashing 10% of your income into your savings account is daunting when you're living paycheck to paycheck. It doesn't make sense to have $100 in a savings plan if you are fending off debt collectors . Your piggy bank will have to starve until you can find financial stability.

4. Review Spending

To fix your finances, you need to get a handle on your outlay first. Online banking and online budgeting software can help you categorize spending so you can make adjustments. Many people find that just by looking at aggregate figures for discretionary expenses , they are spurred to change their patterns and reduce excessive spending.

5. Eliminate Unnecessary Expenses

Once you've got a sense of where the money goes, it's time to tighten up. All cutbacks should start with items you wouldn't miss or habits you should change anyway—like reducing your fresh food purchases if you find ingredients spoiling before you can eat them. Or preparing meals at home more instead of going to restaurants or getting takeout.

Some expenses you shouldn't drop but might be able to adjust could include reducing your auto insurance rate by switching carriers.

6. Negotiate Credit Card Interest Rates

There are other proactive ways to reduce expenses. Those killer interest rates on your credit cards aren't fixed in stone, for example. Call the card company and ask for a reduction in the annual percentage rates (APR) . So if you have a good record, your request might be approved. This won't lower your outstanding balance, but it will keep it from mushrooming as fast.

7. Keep a Budget Journal

Once you've gone through these steps, monitor your progress for a few months. You can do this by writing everything you spend in a notebook, via budgeting apps on your phone, or with the software you used in step 4 to review your spending.

How you track your money isn't as important as how much you are tracking. Focus on ensuring that every cent is accounted for by dividing your expenses into categories. Fine-tune and adjust the spending as needed after each month.

8. Seek New Income

For the time being, saving and investing money is out. But consider ways to increase earnings: working overtime, getting a second job, or picking up some freelance work.

A budget isn't a prison cell to keep you away from your money. Rather, it's a tool you use to make sure your future is better—and yes, richer, than your present.

How Do You Create a Budget?

Creating a budget takes some work. You'll need to calculate every type of income you receive each month. Next, track your spending and tabulate all your monthly expenses, including your rent or mortgage, utility payments, debt, transportation costs, food, spending money, and others. And write it down. The only way to reinforce your budget is to see it in writing. You may have to make some adjustments initially just to stay within your budget. But once you've gone through the first few months, it should become easier to stick to it.

What Is the 50-20-30 Budget Rule?

The 50-20-30 budget rule was popularized by Sen. Elizabeth Warren (D-Mass.) in her book All Your Worth: The Ultimate Lifetime Money Plan. The plan entails dividing all of your after-tax income into 50% on your actual needs, 30% on anything you want, and 20% on savings.

How Does Budgeting Help a Business?

Just like budgets help people, corporate budgeting helps businesses stay on track . This way, they don't stray very far from what they've projected. They also help business leaders make very important (investment) decisions, manage and meet goals and objectives, and identify any hurdles that come their way.

The word budget often conjures up images of complicated financial documents. But it's a tool that can be used by various entities, including governments, businesses, and individuals/households of every income level. The key is to learn how to craft one and how to stick to it. Once you have these key points under your belt, you'll be better prepared at securing your financial future.

Federal Student Aid, U.S. Department of Education." 7 Things You Need Before Filling Out the 2022-23 FAFSA Form ."

USA.gov. " Government Benefits ."

FiftyThirtyTwenty.com. " Financial Stability in America ."

what does bogeying mean

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a score of one stroke over par on a hole.

par 1 (def. 4) .

bogy 1 (defs. 1-3) .

Also bo·gy, bo·gie . Military . an unidentified aircraft or missile, especially one detected as a blip on a radar screen.

Golf . to make a bogey on (a hole): Arnold Palmer bogeyed the 18th hole.

Origin of bogey

Words nearby bogey, other definitions for bogey (2 of 3).

a swim; bathe.

to swim; bathe.

Other definitions for bogey (3 of 3)

Dictionary.com Unabridged Based on the Random House Unabridged Dictionary, © Random House, Inc. 2024

How to use bogey in a sentence

The friendship is such that even in his disappointment after a bogey at 18 on Monday, even after riding out an interminable week interrupted by a hurricane, Rahm was waiting to congratulate Finau after he won in a playoff.

He then bogeyed two of the final four holes to miss a playoff with Finau and Cameron Smith by two shots.

The Spaniard had a chance to force a three-way playoff with Finau and Smith but made a bogey at No.

Much of the fun came from other people’s reactions to landing bogeys or particularly clean shots.

That day in Louisville was the day Rickie Fowler really thought he could win and felt the sting of nibbling closely and a 45-year-old Phil Mickelson wound up bemoaning that bogey on No.

The last two sentences quoted above seem to me needlessly bogey -hunting.

Note: This article has been corrected to note that bogey passed away in 1957, four years before The Jockey Club opened in 1961.

So dies the invasion of England bogey which, from first to last, has wrought us an infinity of harm.

"Bery good," said bogey , as he instantly disappeared through the gate.

Glancing up, he espied the black face of bogey looking down upon him.

bogey heard it also, and involuntarily put his hands on big stomach and made a comically wry face.

Just at this crisis bogey , with his eyes glaring and his white teeth fully exposed, thrust his black face from the foliage.

British Dictionary definitions for bogey (1 of 2)

/ ( ˈbəʊɡɪ ) /

an evil or mischievous spirit

something that worries or annoys

a score of one stroke over par on a hole : Compare par (def. 5)

obsolete a standard score for a hole or course, regarded as one that a good player should make

slang a piece of dried mucus discharged from the nose

air force slang an unidentified or hostile aircraft

slang a detective; policeman

(tr) golf to play (a hole) in one stroke over par

British Dictionary definitions for bogey (2 of 2)

to bathe or swim

a bathe or swim

Collins English Dictionary - Complete & Unabridged 2012 Digital Edition © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009, 2012

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What Is a Budget?

Lauren Schwahn

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What is a budget?

A budget is a spending plan based on income and expenses. In other words, it’s an estimate of how much money you’ll make and spend over a certain period of time, such as a month or year. (Or, if you're accounting for the incoming and outgoing money of everyone in your household, that's a family budget .)

what does bogeying mean

Budgeting can involve making a comprehensive list of expenditures or focusing on a few categories. Some people prefer to write their budget out by hand, while others use a spreadsheet or budgeting app . There’s no correct way to budget — what works for one person might not work for another.

That said, the 50/30/20 budget is one of our favorites. This method suggests you spend about 50% of your monthly after-tax income on necessities, 30% on wants and 20% on savings and paying off debt.

What’s the purpose of a budget?

Budgeting isn’t about depriving yourself; it’s about taking control of your money. Making a budget shouldn’t feel like a punishment. Remember, it’s a plan for all of your money — that includes money for fun stuff, too.

A budget doesn’t have to be rigid. In fact, it should change as your circumstances change — when you get a raise, for example, or become a homeowner. The idea is to make your budget as personalized as possible, leaving room to adapt. Surprises (and mistakes) will happen.

Why is budgeting important?

Budgeting benefits everyone, not just those who struggle financially. It encourages you put your money to work in the best way possible and can help you identify what's soaking up too much of your cash. Think of a budget as a steppingstone to your financial goals . It can help you:

Understand your relationship with money. Tracking your income and expenses paints a clear picture of how much you have to save or spend. Once you spot patterns, you can identify where to make adjustments. Maybe you spend less than you earn (way to go!) but you’re paying for some subscriptions or services you no longer need.

Save for the future. A good budget coaxes you to earmark money for an emergency fund and savings goals like a vacation or retirement. Here's how to work out how much you should save each month .

Get — or stay — out of debt. Mapping out expenses in advance reduces the risk of overspending and can help you pay off debt you already have.

Relieve stress. Budgeting isn’t a cure-all, but it can help you manage financial decisions and prepare for challenges.

How do you start a budget?

Ready to give budgeting a whirl? Start with the basics. That includes outlining your income, account balances and debts, and tracking expenses. Then, identify your priorities and find the right budget system for your needs.

If you get stuck, try these budgeting tips .

what does bogeying mean

What’s next?

Track your expenses for free with NerdWallet .

Learn which expenses to list in your monthly budget .

Find your net worth .

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What is budgeting what is a budget.

Budgeting is the process of creating a plan to spend your money . This spending plan is called a budget . Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do.

What is budgeting? It is an important planning and forecasting process to help you manage your money by balancing your expenses with your income.

If you don't have enough money to do everything you would like to do, then you can use this planning process to prioritize your spending and focus your money on the things that are most important to you.

Why is Budgeting so Important?

What about budget forecasting and planning.

Once you create your first budget, begin to use it and get a good feel for how it can keep your finances on track , you may want to map out your spending plan or budget for 6 months to a year down the road. By doing this you can easily forecast which months your finances may be tight and which ones you'll have extra money. You can then look for ways to even out the highs and lows in your finances so that things can be more manageable and pleasant.

Extending your budget out into the future also allows you to forecast how much money you will be able to save for important things like your vacation , a new vehicle, your first home or home renovations, an emergency savings account or your retirement. Using a realistic budget to forecast your spending for the year can really help you with your long term financial planning. You can then make realistic assumptions about your annual income and expense and plan for long term financial goals like starting your own business, buying an investment or recreation property or retiring.

Learn how to budget and create a spending plan.

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Meaning of bogey in English

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bogey noun ( GOLF )

  • approach shot
  • better ball
  • lay someone up
  • putting green

bogey noun ( FEAR )

  • agoraphobic
  • arachnophobia
  • break out in a cold sweat
  • hydrophobic
  • Islamophobia
  • xenophobically

bogey noun ( NOSE )

  • bodily fluid

bogey | American Dictionary

Examples of bogey, translations of bogey.

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sell-by date

a date printed on a product such as food after which it should not be sold

It’ll have to do: talking about things that aren’t very good or very bad

It’ll have to do: talking about things that aren’t very good or very bad

what does bogeying mean

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double bogey

  • shoot an eagle
  • hole in one
  • be in a hole
  • punch a hole in
  • punch a hole in (something)
  • dig in(to) (something)
  • body English
  • body language
  • body of water
  • body politic
  • body positive
  • body shaming
  • bog standard
  • bogged down
  • boggle at (something)
  • boggle mind
  • boggle the mind
  • boggle the/(one's) mind
  • bogus check
  • boil (something) away
  • boil (something) down to (something)
  • boil (something) out of (something)
  • boil down to
  • boil down to (something)
  • boil down to something
  • Bogdesko, Ilia
  • Bogdesko, Ilia Trofimovich
  • Bogdo Bolshoe
  • Bogdo-Gegen
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  • Bogensport-Verband Rheinland-Pfalz
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what does bogeying mean

Meaning of "bogey" in the English dictionary

Etymology of the word bogey, pronunciation of bogey, grammatical category of bogey.

See the conjugation of the verb bogey in English .


Definition of bogey in the english dictionary.

The first definition of bogey in the dictionary is an evil or mischievous spirit. Other definition of bogey is something that worries or annoys. Bogey is also a standard score for a hole or course, regarded as one that a good player should make.


Conditional, words that rhyme with bogey, words that begin like bogey, words that end like bogey, synonyms and antonyms of bogey in the english dictionary of synonyms, synonyms of «bogey», words relating to «bogey», translation of «bogey» into 25 languages.

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Examples of use in the english literature, quotes and news about bogey, 4 quotes with «bogey», 10 english books relating to «bogey», 10 news items which include the term «bogey».

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Definition of boogie

 (Entry 1 of 2)

Definition of boogie  (Entry 2 of 2)

intransitive verb

Examples of boogie in a Sentence

These examples are programmatically compiled from various online sources to illustrate current usage of the word 'boogie.' Any opinions expressed in the examples do not represent those of Merriam-Webster or its editors. Send us feedback about these examples.

Word History

1929, in the meaning defined at sense 1

Phrases Containing boogie

boogie board

  • boogie - woogie

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“Boogie.” Merriam-Webster.com Dictionary , Merriam-Webster, https://www.merriam-webster.com/dictionary/boogie. Accessed 18 Jan. 2024.

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what does bogeying mean

Wyden has said he hopes to pass the deal by the beginning of tax filing season, which is Jan. 29. That's not assured as Congress is juggling other priorities, most notably averting a government shutdown at the end of this week and completing its funding process by March. It's not clear whether the tax deal would come up as a standalone bill or attached to a government funding measure.

If it passes, it would be a rare success story of active legislating on a politically sensitive issue by a divided Congress that has so far been historically unproductive.

“My goal remains to get this passed in time for families and businesses to benefit in this upcoming tax filing season, and I’m going to pull out all the stops to get that done,” Wyden said Tuesday.

what does bogeying mean

Sahil Kapur is a senior national political reporter for NBC News.

Kate Santaliz is a researcher for NBC News’ Capitol Hill team.

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Budgeting 101

  • Budgeting Basics

Chapter 01: What Is a Budget & How to Create One

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  • Published Jul 27, 2022 - [Updated Jul 28, 2022]
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Creating a budget can offer you peace of mind and give you more confidence in managing your finances. A budget can help make you more aware of how you spend your money, and the places where you may be spending too much, so you can figure out how much to save .

So, what is a budget ?

A budget is essentially a summary of how much money you bring in and how much money you spend on a monthly basis. The idea of creating a budget might be intimidating, but it actually doesn’t have to be all that complicated. You just have to calculate the amount of money you make and compare it to your expected expenses. A basic budget is one of the most important things you need to take charge of your money—and help achieve more of your financial dreams.

In this series, we’ll be answering important questions like “What does budget mean?”, “Why is Budgeting important?”, and more. This is the first chapter of our budgeting series, and we will go over the basics of what budgeting is and how to create one. To learn more about budgeting, continue reading, or use the links below to jump to a section of your choice.

Intro to Budgeting: What is a Budget?

Who needs to use a budget, why is budgeting important, how to create a budget: 5 actionable steps, budgeting breakdown for beginners.

  • 50/30/20 Budget Calculator

Selecting a Budgeting Tool That Suits Your Lifestyle

Common budgeting obstacles and mistakes, how often should you review your budget, key takeaways: budgeting 101, bottom line: budgeting can help you take control of your finances.

So before we get into any more details about budgeting and how to create one, let’s first answer the question of: What is the meaning of budget?

A budget is a financial outline designed to measure and guide your income and expenditures for a certain period of time, such as one month, a quarter, or a year. With an understanding of the budget basics , you can track the amount you’re making compared to what you’re spending and saving.

Why do I want a budget? Consumer.gov says making a budget can help you determine your spending plan and in turn, show you where you should limit your spending and what you can afford to spend more money on.

There are many ways you can maintain a budget — with a spreadsheet, paper and pen, or through a budgeting app .

what does bogeying mean

Whether you’re new to managing your own finances, never learned how to budget, or are tired of living paycheck to paycheck , this post is for you. In our Budgeting 101 guide, we’ll go over some budgeting basics, show you how to create a budget , teach you how to avoid common budget-related mishaps, and ultimately, give you a budget calculator and some budgeting tips to create a budget that’s efficient and functional for your lifestyle.

Any person who wants to take control of their finances and feel more financially secure could benefit from a budget. A budget isn’t just for people who want to cut back their expenses and save money. A budget can be for anyone! Even if you’re comfortable with your income and your expenses, you can still benefit from being aware of how and where you spend your money.

A budget is especially beneficial for people who need to save money for various reasons, like if you need to budget for your wedding or save for a down payment on a house. Having a budget can also be helpful for people whose income is unpredictable or who are going through a career change and need to be more aware of their finances.

To make a financial plan , you need to have a budget. A financial plan is a great way to organize your financial situation and figure out your goals and how you can achieve them. Without a budget, there’s no way to find out how much money you’re saving vs spending, which is imperative in achieving your personal and financial goals.

Everyone’s budget will look different, but generally speaking, a budget will include your various living expenses, like how much you spend on rent , groceries, transportation, healthcare costs, and loans.

You might overlook some things when it comes to your expenses, but having a budget can really help you hone in on how you spend your money. Your living expenses can easily add up, so it might be helpful to do things like calculate your monthly grocery budget so that you can figure out exactly how much you have to spend.

Living expenses will also differ for every person depending on where they live, but you can use a cost of living calculator to help figure out if it’s possible to maintain your current standard of living based on your income.

There are countless reasons why having a budget is important and how it can positively impact your finances, such as:

It Helps You Control Your Spending

Without a budget, you would have no idea if you were spending beyond your means. A budget will help you control your spending by making you more aware of how much you spend on a daily basis in comparison to how much you’re bringing in. It also might be a good idea to try a more minimalist lifestyle so you can cut back on unnecessary costs.

It Helps You Figure Out Your Long-Term Goals

We all have different long-term goals that we want to achieve, and creating a budget can help you achieve them. For instance, if one of your goals is to retire by 50, a budget can help you figure out how much you need to save for retirement each month. There are various tricks to help you save so that you can feel like your long-term goals are actually attainable.

It Can Make You Feel More Financially Secure:

There’s nothing worse than feeling overwhelmed with your finances. Fortunately, having a budget can make you feel more confident and secure in your financial health , so you’re always prepared for any unexpected expenses.

It Can Help You Get Out of Debt

There are a lot of different things that can put you in debt: credit cards, medical bills, college loans, unpaid taxes, the list goes on. Being in debt is terrifying, but one way you can get out of debt is by budgeting. Budgeting can help you save part of your paycheck so you can put that towards paying off your debt.

It Keeps You Organized

It’s easy to get disorganized when it comes to your finances, but having a budget can help you manage and organize your monthly bills, debt payments, and other expenses.

It Helps You Save Money

One of the main benefits of budgeting is that it helps you save money. Rather than living pay-to-paycheck, budgeting helps you stay ahead of the curve so you can save money for the present and future. You can also increase your income streams at home and make even more money to put towards savings.

To plan your budget , you’ll need a few key pieces of information. With these basic components, you’ll have a foundation for your budget that you can tweak as the months go by and as your financial circumstances change. To get you a step closer to your financial goals, let’s go over how to create a budget step-by-step.

1. Calculate your monthly income after taxes

An accurate monthly income is the cornerstone of a successful budget. Without figuring out how much money you actually have in your wallet, it’s pretty hard to allocate funds towards saving, spending, and settling outstanding debts. But calculating your monthly income takes a little bit more effort than glazing over your monthly paychecks.

To find out how much you’re actually earning, you’ll need to do a little bit of simple math—don’t worry, we’ll walk you through the entire way.

Calculating your monthly income as a salaried employee

One of the benefits of being a salaried employee is knowing exactly what to expect on your paycheck—month in and month out—and this pay structure will serve as an added perk when you’re building a monthly budget . To calculate your pre-tax monthly income as a salaried employee, all you need to do is divide your annual salary by 12.

Let’s look at an example:

Laura is a salaried employee who makes $60,000 a year. To calculate her pre-tax monthly income, she would divide $60,000 by 12, which equals $5,000 gross monthly pay.

what does bogeying mean

Now that you have your gross monthly income figured out, you’ll need to deduct taxes and other expenses that may dock your pay—such as medical benefits and contributions to an employer-sponsored retirement plan . We’ll show you how to estimate this number in just a moment, but first we’ll go over how hourly employees can calculate monthly income.

Calculating your monthly income as an hourly employee

If you’re an hourly employee, your monthly income isn’t always as consistent as you might like it to be, but with the proper budgeting technique you can definitely nail down a budget that maximizes your monthly income and gets you closer to meeting your greater financial goals. Here’s how to figure your monthly income as an hourly employee:

what does bogeying mean

Let’s take a look at an example:

Keith is an hourly employee who makes $15 an hour working 40 hours per week, making his gross weekly income $600. Keith multiplies this number by 50 to reflect the weeks he plans to work throughout the year (minus his two-week vacation). Then, he divides by 12 and estimates that his gross monthly pay is $2,500.

Remember, this number does not factor in the deductions that may impact his take-home pay, so now he’ll have to subtract these from his gross monthly income to get an accurate picture to build his monthly budget.

Subtract taxes and other deductions from your gross monthly income. If you’re unsure of where to find this information, one place you can look is your employer-provided pay stub. You’ll be able to see how much is deducted by checking the net pay that’s deposited to your checking account.

To get the most accurate picture of your monthly take-home pay, you’ll need to subtract taxes and other deductions from your income.

  • Federal Taxes: To find out your federal tax liability each month, refer back to your annual gross income that you calculated before. Then, compare your income to the federal income tax rates to find out what percentage of your income will go toward your federal income taxes. Once you’ve found this number, divide by twelve to estimate your monthly tax liabilities.
  • State Taxes: Calculating your state income taxes is essentially the same as finding your federal tax liability, but this time, you’ll need to refer to your state’s income tax rates . Multiply your annual income by your tax rate, then divide by twelve to see how much you’ll owe in taxes each month.
  • Social Security and Medicare Taxes: According to the IRS, the federal withholding rates for FICA are: -6.2% for Social Security -1.45% for Medicare
  • Misc: Depending on your financial situation, you may have other deductions to consider when calculating your monthly take-home pay. Use previous paychecks to help you determine how much money will be withheld to account for 401k contributions , benefits, etc.

2. Identify fixed and variable expenses

Once you have a clear picture of how much money you’re actually working with each month, it’s time to figure out how you’re spending it…or how you should be spending it. There are two main types of expenditures you need to account for as you build your budget: fixed and variable expenses. The difference between the two is that fixed expenses tend to cost you the same amount each month while variable expenses…vary.

You can look for payments toward your living expenses on your monthly bank statements and credit cards.

Fixed expenses

Your fixed expenses like rent payment, groceries, transportation, and health care costs are likely to absorb a large chunk of your budget, which makes them all the more important to track as the months go by.

To determine how much of your budget is going towards fixed expenses, start by creating a list of your regular expenditures. Here’s a list of common fixed expenses to help you get started:

  • Car payments
  • Student loans

Once you’ve built a complete list, calculate a monthly estimate for each one, so you know how much of your income should be dedicated to it. If you’re not sure how much something costs, review previous bills and credit card statements to see what you’ve spent in the past.

what does bogeying mean

Variable expenses

Whether you belong to a gym, go on a weekly date, or make a purchase on a shopping app , make sure you account for these costs in your budget. As opposed to fixed expenses that stick to relatively the same cost each month, these miscellaneous items may change month over month.

Some examples of variable budget expenses include:

  • Entertainment
  • Ride-sharing

Determining how much you spend on variable living expenses each month can be tricky since it may be rarely consistent, but it’s important to get a close estimate so that you can determine whether you can maintain the same spending habits or if you need to cut back in certain areas. Use your monthly bank statements to help you estimate your variable expenses, and in turn, set limits for each category.

How to factor expenses into your budget

If you’re using one of our free budgeting templates , simply input the values of these fixed expenses into your budgeting spreadsheet to help plan out your financial strategy each month. In the Mint app, you can connect your bank account to easily identify recurring expenses, or enter in your own budget for fixed expenditures.

3. Set savings and debt payoff goals

As you saw in step two, if you have student loans and credit card balances, you’ll want to attribute part of your monthly budget to paying them off. Each month, allocate a certain amount to these monthly payments. The sooner you pay off debts, the less interest you’ll pay overall, and the closer you are to meeting your greater financial goals.

When creating a personal budget, include these types of debts into your planning:

  • Credit card debt
  • Mortgage payments
  • Business loans
  • Personal loans

If you’re all caught up on your bills and want to stow away funds for retirement or save up for a new car, it’s helpful to establish concrete goals, then break them down into achievable bite-size chunks. Having trouble coming up with realistic, meaningful financial goals? Take a look at these short-term and long-term examples:

Short-term financial goals

  • Save enough money for an upcoming vacation
  • Build up your emergency fund
  • Make improvements to your home or vehicle
  • Save up cash for holiday gift shopping
  • Pay off your credit card
  • Save up enough to move out on your own

Long-term financial goals

  • Establish a retirement budget to build a retirement account
  • Pay off your mortgage or student loans
  • Start your own business

If you’re using the Mint app, you can set up custom goals for your savings in the budgeting section. Simply add a budget, define a dollar amount, and monitor your progress.

4. Record your spending

You know that feeling when you’re checking out at the grocery store, the cashier announces your total, you swipe your card, and by the time you’re loading your grocery bags into your car, you realize you didn’t even register the total amount you paid. It’s a concerning, out-of-body experience—but we’ve all been there.

This is why tracking your spending is so important. It’s easy to become complacent about the amount of money you’re spending and end up with revolving debt ruling your finances. Depending on the budgeting method you choose—budgeting app, pen and paper, or online budgeting tool—you can pick a way to record your spending that best suits your lifestyle.

Here are a few tips to make expense tracking easier and more efficient:

  • Ditch the Cash: Stick to card payments if you have trouble keeping tabs on how much money you spend each month. This way, you can refer to your online bank statements to easily monitor your spending.
  • Check Yourself Before You Wreck Yourself: Make it a point to analyze your spending habits on a weekly basis. Collect any receipts or statements you have and check to see if you’re on budget or if you need to reel in your spending for the rest of your budgeting cycle. Budgeting will help monitor your spending so you are able to keep living within your means .
  • Go Old-School: If you’d rather skip the technology and take a more tactile approach to budgeting, a pen and a checking book will do just fine. Just be sure to make a habit of recording your expenses as soon as you’ve swiped your card.
  • Try the New-School Way: If you can’t be bothered to whip out a pen and paper each time you check out at the register, automated expense tracking might be a better alternative. Using the Mint app, you can connect your bank account to effortlessly record your spending and monitor transaction trends.

5. Track your budgeting progress, review, and revise

Creating a basic budget is a huge financial victory. It helps you ensure you can cover your expenses and reach for exciting milestones, like buying a house or paying off your student loans. As you continue to budget, make adjustments as you see fit. Your income, expenses or lifestyle might change, and it’s important to ensure your budget keeps working for you and your future.

Set up a budget schedule and make it a point to review your budget on a regular basis—each week, every month, or at least every quarter to see if any major changes, or milestones have taken place. Not only will this help you recognize and celebrate your successes, but it will also encourage you to reevaluate and tailor your strategy as needed.

Now that you know how to make a budget, it’s time to discuss best practices and budgeting basics to ensure your budget works for your money and your lifestyle.

How to Choose the Budgeting Style That Works for You

Here’s the thing about budgeting. There’s not really a one-size-fits-all approach that works for every individual. Depending on your spending habits, financial goals, lifestyle, and your relationship with money in general, one budgeting tactic might make more sense for you than another. Let’s take a look at a few budgeting methods you can try.

Starting simple with your bank statements

One easy way to start budgeting is to take your previous month’s bank statements and create a budget using the deposits as your monthly income and categorize all the withdrawals on the bank statement for:

  • Living expenses
  • Other expenses

Then you can see what last month’s budget looks like to be able to make adjustments to this month’s spending. This allows you to better accomplish your life goals and ensure you’re placing money where it needs to be in order to make progress.

Keep tabs on transactions with the envelope method

The envelope system is a simple budgeting approach that involves spending with cash instead of plastic.

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If you budget $100 for eating at restaurants, put that amount into an envelope. When the money’s gone, you have to wait until next month to eat out again.

If you budget $200 for groceries</span id=”anc6″> , put $200 in a “grocery” envelope. If you’re at the checkout line and the total comes to $203, you’ll need to put something back.

The envelope method helps you be more strict with your budget. The pockets of cash are a visual and tangible reminder of how much money you’re dedicating to each area of your life.

Follow the 50/30/20 rule

Financial experts recommend the 50/30/20 guideline as a basic financial strategy, especially for young professionals. You can also use the new 50/30/20 budget calculator to help create your new budget.

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The rule says that you should allocate a 50%, 30%, and 20% of your income to the following categories:

  • Essentials: 50% -Rent/Mortgage -Utilities -Debt payments -Bills -Groceries
  • Personal Expenses: 30% -Entertainment -Dining out -Date night -Shopping for non-essential items
  • Savings: 20% – Emergency savings -Retirement account -Travel fund – Rainy day fund

50/30/20 Calculator

Consider a zero-based budget.

With the zero-based budgeting technique, each month begins and ends with zero dollars. When you build out your zero-based budget, every dollar has a purpose. Let’s take a look at a sample budget using the zero-based method. If you make $3,500 every month, attribute each dollar to an expense. You might put $1,750 toward living expenses, $700 toward paying off debt, and $1,050 toward personal expenses like going to the movies or saving for vacation . At the end of the month, your balance is zero, because every dollar is accounted for.

Keep in mind, the zero-base doesn’t mean you’re spending every dollar that you earn, but rather, that each one is allocated to a different category—savings account included!

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As we mentioned before, the one-size-fits-all methodology is a no-go when it comes to personal budgeting. Your financial situation is completely unique to you whether we’re talking about your income, expenses, or your financial goals, so it only makes sense to tailor your budgeting strategy to your individual preferences.

Here are a few tips to help you find a budgeting tool that makes sense for you:

  • Read reviews, or ask around: Although money can be considered a taboo topic, that doesn’t mean you need to tip-toe around budgeting techniques in your relationship or with your friends. You probably trust their opinions more than anyone else, after all. See which tools they use and ask what they like and don’t like about their current budgeting method.
  • Test it out: Before buying into any paid budgeting subscriptions, give the free trial a go. This way, you’ll be able to familiarize yourself with the features and decide if it’s a tool you’d continue using.
  • Consider compatibility: If you’d like to automate your expense tracking, make sure that the budgeting tool you want to use can be integrated with your bank and credit card issuers.
  • Use a template or tool tailored to your needs: Depending on your financial circumstances, you may need a simple budget , or one that’s specific to your income and expenses. Or perhaps you’ll need additional functionality like investment capability or the ability to make peer-to-peer transactions. According to a recent survey , 85% of people use either banking apps or online banking platforms.

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As you select a budgeting tool, consider how you’ll use it and how the tool fits into your lifestyle and financial goals. Our budget templates include the following categories:

  • Household budget
  • Family budget
  • Student budget

Before you set sail on your journey towards better budgeting, it’s time to talk about some of the obstacles you may encounter on your way. Like most things in life (or the sea in this case), budgeting isn’t always clear-cut—there can be aspects that are difficult or ambiguous. Factoring in random, one-time expenses or calculating a part-time gig can complicate your budget, but trust us, your voyage can (and must) continue! Here are a few tips to ensure you have the most accurate budget—no matter the circumstance.

1. Estimating irregular income

If you’re a freelancer or work a side hustle, you likely have an irregular income that can be hard to predict. In these cases, it’s best to estimate a conservative (low) amount, so you don’t overspend. Review the past 3-6 months of income and watch for any patterns. Can you find an approximate hourly rate or weekly rate for what you bring in? If you’re new to a job, like being a waitress, ask a coworker how much they typically make in tips to help you forecast your monthly tip outs. Above all, do your best to create an income estimate—knowing you can tweak it along the way.

2. Paying for emergency expenses

Unfortunately, accidents and unexpected bills happen to everyone. From car troubles to job loss and medical expenses, emergencies can be expensive and having a backup emergency budget can help cut down expenses. An unexpected bill can throw off our budget, and set you back. If an incident does occur, try to factor the expense into your budget while paying your other bills. For instance, you may want to cut back on dining out for the month, or pick up an extra shift to help you cover a bill. If you can, build an emergency fund into your budget to safeguard your finances against future unexpected situations.

3. Forgetting one-time expenses

Items like annual memberships, vacations, and gifts for family and friends are often forgotten when creating budgets . If you can, set aside a small amount of cash every month for these extra expenses. You can estimate the expected cost for the year and account for them in your monthly budget. For example, if you typically spend $300 on Christmas gifts, set aside an extra $25 every month to account for these added expenditures. By the time December comes, you’ll have the cash available to spend on gifts.

what does bogeying mean

So now that you’ve learned how to actually create a budget, you’re probably wondering: How often should I review my budget?

It’s ultimately up to you, but you should aim to review your budget at least once every few months. Some people even prefer to do it each week or new month, so that they can ensure they’re always on top of their expenses.

You may want to consider checking in quarterly and doing annual budget reviews so you can see if you’re on track for your long-term financial goals. Budgeting isn’t just something you do one month and then never again. Budgeting is a long-term process, so it’s crucial to regularly review your budget to make sure you’re living within your means and not overspending.

A budget tracking template is a good way to keep your finances organized so you can create a reviewing system that works for you.

  • Calculating your take-home pay
  • Estimating your expenses
  • Setting savings and debt payoff goals
  • Recording your spending
  • Tracking your progress
  • To find the right budgeting method and tools for you, consider compatibility, ask around, and try out different options
  • Avoid budgeting pitfalls by preparing for unexpected circumstances and tailoring your budgeting strategy as needed

So, now that you have a better idea of what a budget is and how to create one, you can answer the question: What is your budget?

Every person’s budget will look different, and creating a budget that works for you may take some time. So for help with your budgeting journey, you should continue reading this series which will cover budgeting tools , tips for managing your budget, and more. And once you have a good understanding of what a budget is, you can move on to the next chapter in the series, which covers what to include in a budget .

Sign up for Mint to help you stick to your budget and goals Let the Mint app do the heavy lifting for you. It can calculate your income, total your spending by category, and help you conquer your savings goals. Tracking expenses with the app is simple and accessible—no matter where you are.

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Chapter 02: What to Include in Your Budget

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The long history between Boeing and the U.S. government

Joel Rose

Mary Louise Kelly

Courtney Dorning

Courtney Dorning

Connor Donevan

A look into how the relationship between the federal government and Boeing has evolved, and what the past Boeing safety crises might tell us about the current one.


These days, when you think of Boeing, the words that come to mind might be door plug, 737 MAX, grounded. But before this month's in-air safety debacle, before the Ethiopian and Lion Air crashes five years before, Boeing was synonymous with something else - American industry and innovation - so much so that former President Obama joked he worked for Boeing.


BARACK OBAMA: I'm expecting a gold watch...

OBAMA: ...From Boeing at the end of my presidency because I know that I'm on the list of top salesmen at Boeing.

KELLY: And Donald Trump added this flourish to the usual presidential signoff during a visit to a 787 Dreamliner plant in South Carolina.

DONALD TRUMP: May God bless the United States of America and God bless Boeing.

KELLY: Now, the special relationship between the U.S. and Boeing is now under new scrutiny. NPR transportation correspondent Joel Rose is here to walk us through how the relationship has evolved and what the past Boeing safety crises might tell us about the current one. Hey, Joel.

JOEL ROSE, BYLINE: Hey, Mary Louise.

KELLY: So, you know, normally, the U.S. government would resist putting a finger on the scale in favor of any one private company. As we just heard there, that has not been the case with Boeing. Why?

ROSE: Well, it is such a major piece of the U.S. economy, both as a military contractor and in commercial aviation. It is a huge employer. The U.S. government even has a special bank called the Export-Import Bank that extends financing for overseas buyers. Jokingly, it is called Boeing's Bank because the company is such a big beneficiary.

So the U.S. wants airlines and other countries to buy Boeing's planes. And right now, that is the MAX series. Boeing 737 MAX is the company's biggest seller ever, the key to its financial future. In theory, all of this is not supposed to affect how regulators treat Boeing. In the real world, the company has a lot of power. I talked to Jim Hall. He's the former chair of the National Transportation Safety Board, and he says Boeing acts like it is too big to fail.

JIM HALL: It's not complicated. There's a great deal of influence exercised through fundraising to members of Congress. There's a great coziness or familiarity between all of the parties. And so who's the bad cop?

ROSE: No one wants to be the bad cop, Hall says, and Boeing's leaders know that.

KELLY: OK. But people did start to look at this relationship differently a few years ago. Take us back to this moment - 2019?

ROSE: Actually, 2018 and 2019. There are two crashes of Boeing jets under very similar circumstances. They both involve the same plane - the 737 MAX 8. Hundreds of people were killed. After the first crash in Indonesia, Boeing maintained that the pilots were mostly to blame. And then, about five months later, there was a second crash - Ethiopian Air in 2019 - which was nearly identical to the first. At that point, regulators in other countries mostly grounded the Boeing MAX 8 immediately. The Federal Aviation Administration, though, was basically the last to take that action.

KELLY: The last to take action. OK. And so investigators started digging into what happened. What'd they find?

ROSE: They found systemic problems at Boeing, both with the design of the airplane and with pilot training. And there were some dramatic moments when Boeing CEO Dennis Muilenburg testified before Congress back in 2019.

DENNIS MUILENBURG: We can and must do better. We've been challenged and changed by these accidents.

ROSE: Muilenburg was surrounded at that hearing by family members holding up photos of the crash victims. There was one mother there by the name of Nadia Milleron. She lost her daughter, Samya Stumo, in the second crash.


NADIA MILLERON: Our daughter got on the plane completely trusting. And she never dreamed that there would be any problem with the plane itself, and there was a huge problem.

ROSE: That was Milleron speaking with NPR's Morning Edition the week of the hearing. And Muilenburg was pushed out, actually, just a few months after.

KELLY: OK. So Joel, this all lands us to the question of Boeing and how it is regulated or not regulated. And this curious fact that the FAA actually turned over some of its oversight responsibilities to Boeing employees. How did that system come to be?

ROSE: Yeah, this has been the norm for quite a while. The FAA has delegated some of its oversight authority to manufacturers, going back all the way to the 1950s. The FAA has come to rely more and more on Boeing, though, over time, as the planes have gotten more complex, and the supply chains have as well. Peter Robison is an investigative reporter for Bloomberg News and wrote a book about Boeing called "Flying Blind." He spoke to NPR's Here and Now earlier this month, and here's a bit of that interview.

PETER ROBISON: What I traced was a distortion in the relationship where the regulator came to feel almost that it worked for Boeing - that the managers worked very closely with Boeing to speed production of planes, and the managers at the FAA really came to treat Boeing as its customer rather than the flying public as the people it was serving.

ROSE: Robison says he saw this accelerating in the early 2000s, as regulators were pushed to hand off more work to Boeing because they trusted Boeing and these engineers knew the planes best, and also because it was cheaper for the FAA. And around the same time, a lot of Boeing watchers say the culture at the company was shifting, too, to be more focused on the bottom line and less focused on safety.

KELLY: OK. So that's the system as it was. Then you had these two awful crashes - these two big 737 MAX disasters. What changed?

ROSE: Well, Congress passed a bill, and the FAA made some changes that were supposed to tighten up how this authority is delegated. They put more safety inspectors in factories. And a new CEO took over at Boeing, who said safety culture was going to be a bigger priority. The MAX 8 planes were grounded for almost two years before they finally start flying again, and Boeing seemed to be slowly recovering from these crashes.

KELLY: Yeah. And now we find ourselves at the start of 2024, and there's this latest dangerous incident on a Boeing MAX plane - this time the 737 MAX 9. Was this also a failure in design, in regulation, what?

ROSE: Well, there's a lot about this incident that is different. We're talking about an Alaska Airlines flight earlier this month where a panel known as a door plug blew out in midair. The investigation is still ongoing into what caused this. But, so far, it appears to be a problem in the manufacturing process, not a design flaw. And also, of course, no one died in this incident.

But Boeing's critics would say there is a troubling similarity, which is that the company once again seems to be putting the bottom line ahead of safety by rushing these planes off the factory floor at the rate of more than one per day. This time, I will say Boeing has moved a lot faster to acknowledge the mistake. Here's CEO David Calhoun speaking at an all-hands meeting last week at a factory outside of Seattle.

DAVID CALHOUN: We're going to approach this, No. 1, acknowledging our mistake. We are going to approach it with 100% and complete transparency every step of the way and to make sure that this event can never happen again.

ROSE: One other key difference I want to note is the reaction of the FAA. This time, they grounded the similar MAX 9 planes very quickly, and they seem to be in no rush to recertify them to fly again.

KELLY: OK, so everybody's trying to handle this differently, handle it better, but it does prompt the big question - are all those changes in FAA oversight and regulation that Congress passed back in 2020 - are they working? Is it enough?

ROSE: The FAA says it is looking at bigger changes now in the wake of this latest incident. The head of the FAA, Mike Whitaker, said last week that the agency will consider whether to bring in a third party to oversee safety at Boeing, which would be a huge shift. I mean, the bottom line is the FAA is in a very difficult spot. They cannot inspect every bolt on every plane, but business as usual does not seem to be a good option, either. We are talking about possibly reinventing how the agency regulates one of the biggest players, not just in the aviation industry, but, you know, the entire U.S. economy.

KELLY: Thank you, Joel.

ROSE: You're welcome.

KELLY: NPR's Joel Rose.


Copyright © 2024 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.

NPR transcripts are created on a rush deadline by an NPR contractor. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR’s programming is the audio record.

Scientists to deliver a warning about nuclear war with Doomsday Clock 2024 announcement

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It's almost that time again: Time for the annual update of the Doomsday Clock, the symbol of how close the world is to civilization-ending catastrophe.

First set in 1947, the Doomsday Clock warns humanity about how close – or far – we are to destroying our world with our own dangerous technologies. "It is a metaphor, a reminder of the perils we must address if we are to survive on the planet," according to the Bulletin of the Atomic Scientists , which sets the symbolic time each January.

In recent years, the clock's settings have mostly reflected the risk of nuclear war and the dangers of uncontrolled climate change.

This year, the clock will be updated on Tuesday Jan. 23 at 10:00 am EST in Washington, D.C. The last announcement in January 2023 came before the beginning of the Israel-Hamas war but amid nuclear tension surrounding Russia's invasion of Ukraine .

What is the Doomsday Clock?

The clock has been maintained by the Bulletin of the Atomic Scientists since 1947. The group was founded in 1945 by University of Chicago scientists who had helped develop the first nuclear weapons in the Manhattan Project .

The scientists created the clock in 1947 using the imagery of apocalypse (midnight) and the contemporary idiom of nuclear explosion (countdown to zero), to convey threats to humanity and the Earth.

Each year, experts from the Bulletin decide whether the events of the previous year pushed humanity closer to or further from destruction. The clock “conveys how close we are to destroying our civilization with dangerous technologies of our own making," according to the group.

What time is the clock set at now?

The clock is at 90 seconds to midnight , the closest the clock has been to midnight in its history. Midnight is the moment that symbolizes Doomsday.

Who decides the time on the Doomsday Clock?

The Doomsday Clock is set each year by the 22 members of the Bulletin's  Science and Security Board  in consultation with its Board of Sponsors, which includes 11 Nobel laureates.

AI could affect the timing of the clock this year

USA TODAY asked Rachel Bronson , president and CEO of the Bulletin of the Atomic Scientists, about the factors that will affect the clock's timing this year: "Climate change and nuclear risk continue to play very large factors in setting the timing of the Doomsday Clock," she said, "as the effects of the climate crisis become more felt and the threats of nuclear escalation in Ukraine and nuclear arms racing globally continue to loom large."

"For many years we have also considered various disruptive technologies from online misinformation to new bioresearch," she said. "This year the technology conversation must also include the recent rapid advancements in AI."

Could the clock be set even closer to midnight this year?

"Each year the Bulletin's Science and Security Board comes together to ask whether humanity is safer or at greater risk compared to when the Clock was last set – and whether it is safer or not than the last seven decades," Bronson said.

"That means that there is always the potential for it to move forward or backward based on the actions our leaders, but also all of us, take to improve or worsen the global situation."

Why is the Doomsday Clock so prominent?

Over the years, the clock has been referenced by the White House, the Kremlin and the leadership of many other nations. Robert Oppenheimer and Albert Einstein were on the bulletin's Board of Sponsors, and John F. Kennedy and Richard Nixon wrote pieces for the magazine. 

Though not everyone agrees with the clock's settings, it is generally respected for the questions it asks and for its science-based stance.

Contributing: Elizabeth Weise, USA TODAY

US regulator grounds Boeing 737 MAX 9 airplanes indefinitely, cancelling flights until Tuesday

The side of a plane that has a fuselage plug area covered by plastic.

The US aviation regulator has extended the grounding of Boeing 737 MAX 9 airplanes indefinitely and announced it will tighten oversight of Boeing itself after a cabin panel broke off a new jet in mid-flight.

Key points:

  • Alaska Airlines and United Airlines have had to cancel hundreds of flights because of the groundings
  • The National Transportation Safety Board is investigating if the MAX 9 jet was missing or had improperly tightened bolts
  • FAA Administrator Mike Whitaker says he sees the MAX 9 problems as a manufacturing issue, not a design problem

On Friday, as United Airlines and Alaska Airlines announced they would be cancelling flights through to Tuesday, the Federal Aviation Administration (FAA) also said it will require another round of inspections before it will consider putting the jets back in service.

Under more stringent supervision, the regulator will audit the Boeing 737 MAX 9 production line and suppliers and consider having an independent entity take over from Boeing certain aspects of certifying the safety of new aircraft that the FAA previously assigned to the plane maker.

The FAA said the continued grounding of 171 planes with the same configuration as the one in the incident was "for the safety of American travellers."

The regulator said on Monday the grounding would be lifted once they were inspected.

But on Friday, the FAA said 40 of the planes must be reinspected, then the agency will review the results and determine if safety is adequate to allow the MAX 9s to resume flying.

Alaska Airlines and United Airlines have had to cancel hundreds of flights in the last week due to the grounding as a widening crisis engulfed the US plane maker.

Boeing shares closed down 2.2 per cent on Friday and are down nearly 12 per cent since the January 5 incident.

Confidence in Boeing has been shaken since a pair of MAX 8 crashes in 2018 and 2019 killed 346 people and led Congress to pass sweeping reforms to certification of new airplanes.

On Thursday, the FAA announced a formal investigation into the MAX 9, where they said it had "significant problems" and noted Boeing's history of production issues.

The National Transportation Safety Board (NTSB) is investigating if the MAX 9 jet flown on January 5 was missing or had improperly tightened bolts.

Regulator seeks root causes

FAA Administrator Mike Whitaker told Reuters on Friday he saw the MAX 9 problems as a manufacturing issue, not a design problem.

Noting years of production problems at Boeing, he said: "Whatever's happening isn't fixing the problem and requires an extensive review.

"We are becoming increasingly focused on the manufacturing process."

The FAA wants to see "where these breakdowns could happen. Are there not enough quality control checks? Are they not in the right places? Is the order of assembly creating some issues?" he said.

Boeing pledged on Friday to "cooperate fully and transparently with our regulator".

"We support all actions that strengthen quality and safety and we are taking actions across our production system."

Mr Whitaker wants to re-examine the long-standing practice of the FAA delegating some critical safety tasks to Boeing.

"I think we should look at third party," Mr Whitaker told Reuters.

"I think it may be an option where there's a higher level of confidence, where we have more direct oversight ability, and where the folks doing certain critical inspections don't have a pay cheque that's coming from the manufacturer."

The Alaska Airlines aircraft, which had been in service for just eight weeks, took off from Portland, Oregon last Friday and was flying at 4,876 metres when the panel tore off the plane. Pilots flew the jet back to Portland, with only minor injuries among passengers.

Alaska and United said preliminary checks found loose parts on multiple grounded aircraft.

Captain Ed Sicher, president of the Allied Pilots Association representing 15,000 pilots at American Airlines, said tighter control by the FAA was "inevitable" given Boeing's problems. 

"I think there's an increased level of skepticism and scrutiny over what used to be … an excellent brand," Mr Sicher told Reuters.

"Now everyone is starting to raise an eyebrow and make sure the T's are crossed and the I's are dotted."

On Wednesday, Boeing CEO Dave Calhoun acknowledged that there was a "quality" issue in allowing the MAX 9 to fly with the problem that caused the blowout.

Since the fatal crashes, critics have said strained budgets at the FAA led the agency to delegate too much responsibility to the plane maker. 

"The larger question is does the FAA have the staffing to increase oversight for the long term?" said US aviation safety expert John Cox, adding that the creation of third-party entity would be "highly unusual."

In March, the FAA said it boosted staff providing regulatory oversight of Boeing to 107 from 82 in prior years.

The FAA also launched an outside review of Boeing's safety culture in January 2023.

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A man and woman stand next to a plane's door which is on the groiund.

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