No Time? No Problem. Build Your Budget in 15 Minutes Flat
Think budgeting is boring? Complicated?
Vizzve Finance is here to change that.
A budget isn’t about restricting your fun—it's about giving your money direction. And guess what? You don’t need an MBA or a spreadsheet obsession to build one.
In just 15 minutes, you can set up a personal budget that works—with a free template to guide you.
🧠 Why Budgeting Is Crucial (Even If You’re Broke or Busy)
Whether you're a student, freelancer, or salaried professional, a budget:
✅ Helps track where your money goes
✅ Cuts out impulse spending
✅ Prepares you for emergencies
✅ Boosts your savings and credit health
📥 Download Vizzve’s Free Budget Template
Click here to download your plug-and-play Excel budget:
📂 [Vizzve-Budget-Template.xlsx]
It includes:
Monthly income tracker
Fixed & variable expenses
Debt repayment column
Savings goals
Auto-calculated balance
📝 Step-by-Step: Create Your Budget in 15 Minutes
✅ 1. Write Down Your Income (2 minutes)
List all monthly income sources: salary, side hustle, rent, interest, etc.
➡️ Use net income (after tax).
✅ 2. List Your Fixed Expenses (3 minutes)
These are monthly costs that don’t change:
Rent/EMI
Internet
Subscriptions
School fees
Insurance premiums
Enter them into the Fixed Expenses section of the Vizzve template.
✅ 3. Track Variable Expenses (3 minutes)
These fluctuate each month:
Groceries
Dining out
Shopping
Travel
Utilities
Add a ballpark estimate—or check your bank app or Vizzve wallet for recent spends.
✅ 4. Add Savings and Loan Repayments (3 minutes)
Set aside 10–20% for savings or investments.
List your EMIs or any credit card payments.
💡 Tip: Vizzve customers can automate savings goals using wallet-linked smart reminders.
✅ 5. Calculate Surplus or Shortfall (2 minutes)
Now check the final column:
Positive? You’re spending less than you earn.
Negative? Time to trim non-essentials.
The Vizzve template auto-updates as you tweak numbers.
💬 FAQ: Personal Budgeting with Vizzve
Q1. How often should I update my budget?
Ideally monthly, or whenever your income/expenses change.
Q2. I’m a student with no fixed income. Should I still budget?
Absolutely! Even if you manage a ₹5,000 allowance, budgeting builds financial discipline.
Q3. Can I budget directly in the Vizzve app?
A smart budget planner is coming soon to the app. Until then, use our free downloadable sheet.
📌 Vizzve’s Pro Tips for Better Budgeting
💸 Follow the 50-30-20 rule (Needs-Wants-Savings)
🔔 Set reminders for due dates
💳 Use your budget to avoid credit card debt traps
🚫 Track your money leaks (subscriptions, impulse food delivery)
🚀 Final Thought from Vizzve
A budget isn’t a cage—it’s a compass.
And once you have one, you'll never feel lost when it comes to money.
So grab your chai, open the template, and take 15 minutes to take control.
Vizzve Finance — Smart Tools for Smarter Money Moves.
Published on : 12th July
Published by : SMITA
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