Now that you’ve tracked your expenses for a full month, May is your moment to put that insight to work.

Look over your spending and identify areas where you can cut back. Is it unused subscriptions, too much takeout (with delivery fees 😫), or impulse buys?

Maybe cutting back looks like cooking at home more often, pausing a streaming service, or setting limits on online shopping.

A great framework to guide your budget is the 50/30/20 rule: 50% of your income goes to needs, 30% to wants, and 20% to savings or debt repayment. If you notice you’re spending more than 30% on wants, or not hitting that 20% savings mark, this is a good time to rebalance.

And remember—this isn’t about depriving yourself. It’s about making intentional choices that support your long-term goals. Redirecting a few extra dollars each month toward a down payment, paying off debt, or saving for upcoming home improvements can bring real peace of mind.

You don’t have to do it all at once—but small, consistent moves now will add up to a stronger financial future.

If you have any questions about where to start with your household budget, feel free to reach out!