This is a necessary follow-up to Spend 1 Hour Budgeting Your Life and Never Think About Your Money the Same Way Again.
If you haven’t already, go back and read that post. It’ll get you started you on the path of automating your finances and a better life.
You’ve done the basic budgeting like I suggested? Great! You should have your monthly expenses, your long-term savings contributions, and your short-term savings.
Here’s what you do with those numbers.