Let’s talk about money. How old were you when you learned about budgeting—or were you ever taught? I’m often surprised by how many of my peers don’t have a budget. They just wing it financially, and honestly, that terrifies me! This is especially nerve-wracking for those who work on commission. How do you know how much extra you can spend on fun things if you’re not certain your necessities are covered?

I’ve been budgeting since I was a kid. My mother taught my sisters and me the importance of managing money when we were in elementary school. I remember using ice cream buckets in my closet to keep money for different categories—basic, but effective! I’m so grateful she taught us young because budgeting has become second nature to me.

These days, I keep my personal and business expenses separate, and I make sure to “pay myself first.” My personal budget includes savings and retirement—essentials I won’t touch. From there, I budget for my mortgage, utilities, groceries, and even for the little things, like household items. Yes, I even budget for hair and nails!

Having a plan means I know exactly what my discretionary funds are at the start of the month, so I can use them for travel or fun stuff guilt-free. This kind of clarity around finances is empowering, and I’m so grateful it’s a habit that started early.