4. Create a Savings Account

One of the best tips for handling a budget I can give you is to start a savings account. Include this in your bill section, and each month, take out whatever you've allotted yourself for a savings account and set it aside. This keeps you from spending it, either accidently or because it's just there.

If you're not able to afford anymore than, say $10 per week towards savings, do it anyway! It WILL eventually add up, and you may be thankful someday you have that money to fall back onto in the event of an emergency. It may be an emergency as small as tampons or as big as a hospital bill, but that security net is great to have.

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