How to Make a Monthly Budget (Build Your July 2026 Money Plan Step-by-Step With Us) | 582
6/22/202621 min
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Budget besties, can you believe July is already here? We are officially stepping into the second half of the year, which means this is the perfect time to pause, reset, and make a money plan that actually works for real life.
In this episode, Shana and Vanessa walk us through creating a July budget step by step. Whether June felt chaotic, your first half of the year did not go exactly as planned, or you are ready to get back on track, this episode is your reminder that it is not too late. We can still make progress, reset our goals, and use our budget to feel clear, confident, and prepared.
Grab your budget and work through it with us as we cover income, debts, bills, spending, savings, and all the sneaky July expenses that love to pop up.
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Transcript preview
First 90 secondsShana· Host0:00
Have you made your July budget yet?
Vanessa· Host0:02
Guys, July is the second, it starts the second half of the year. Can you believe it? We're already there. If you haven't got in gear yet and ready, like maybe you completely messed up the first six months, that's okay. You still can, you can get it right right here.
Shana· Host0:17
Yeah, July is the perfect time to get your budget going. And if you're gonna stick with us today, we're gonna walk you through creating your July budget, so just grab your budget, sit down, work on it with us, and then by the time we are done with this podcast, you'll have a budget.
Vanessa· Host0:35
Yes, you will. Okay, so what, what do we do every single time we make a budget, Shana? The first thing that we do in the current month before we move on to the, the next month is what?
Shana· Host0:43
We have to wrap it up. And y'all raise your hand if you're excited to wrap June up, because a, a lot of... We've had a lot in our Facebook group, we've had a lot of clients, like June just seems to have so many things going on.
Vanessa· Host0:56
Yes. Yeah.
Shana· Host0:56
And you're just trying to tread water to get to the end of the month. So many people, da- w- I, I had somebody say it rhymed dads and grads, like that's one thing- Ah ... that you ha- that you had to do, and then there's a lot of things going on.
Vanessa· Host1:07
Mm.
Shana· Host1:07
So we just wanna go through, through June, wrap it up, put in the budget what actually happened. You know what? Let's take a moment here, Vanessa, because people say, "Well, how do I put the actual numbers?" Uh, you change the numbers that you budgeted to the actual numbers, and then that's all you do. It's that simple.
Vanessa· Host1:22
Ta-da. It, it's really... And listen, I know if you're looking at our budget, we don't have an actual column. The reason is because nobody used it.