--- title: "The Easiest Way to Start Budgeting: 3 Tools You Can Use in Under 10 Minutes" description: Start budgeting in under 10 minutes with these three easy-to-use tools, perfect for beginners, spreadsheet lovers, and those who prefer automation. image: https://news.libertysavingsbank.com/hubfs/pexels-karolina-grabowska-5900268.jpg --- - [News & Insights](https://www.libertysavingsbank.com/news-insights/) - [ATM Locations](https://www.libertysavingsbank.com/atm-locations/) - [Financial Centers](https://www.libertysavingsbank.com/locations/) - [Careers](https://www.libertysavingsbank.com/careers/) - [Online & Mobile Banking](https://www.libertysavingsbank.com/help/getting-started/about-online-and-mobile-banking/) - [About Us](https://www.libertysavingsbank.com/about-liberty-savings/) - [Contact](https://value.libertysavingsbank.com/online-banking-consultation) - #### Banking - [Call the Freedomline at 800.436.6300](tel:8004366300) - [Freedomlineivr@Libertysavingsbank.com](mailto:Freedomlineivr@Libertysavingsbank.com) - 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[Viewing Transaction Details in the Activity Center Overview](https://www.libertysavingsbank.com/help/online-activity/viewing-transaction-details-in-the-activity-center-overview/) - [Copying A Transaction](https://www.libertysavingsbank.com/help/online-activity/approving-transactions/) - [Sending a Message About a Transaction in the Activity Center](https://www.libertysavingsbank.com/help/online-activity/sending-a-message-about-a-transaction-in-the-activity-center/) - [Printing Transaction Details from the Activity Center](https://www.libertysavingsbank.com/help/online-activity/printing-transaction-details-from-the-activity-center/) - [Exporting by Transaction Type in the Activity Center](https://www.libertysavingsbank.com/help/online-activity/exporting-by-transaction-type-in-the-activity-center/) - Personal Banking - [Enrolling for Financial Tools](https://www.libertysavingsbank.com/help/personal-banking/enrolling-in-cpfm/) - [Classic Bill Pay](https://value.libertysavingsbank.com/libertycard-onfile-and-instapay) - 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[Senior Living](https://value.libertysavingsbank.com/senior-living) - First Home Buyers Guide - [Overview](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/) - [Glossary of Mortgage Terms](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/glossary-of-mortgage-terms/) - [Financing Process](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/financing-process/) - [What is Refinancing?](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/purchasing-or-refinancing/) - [Frequently Asked Questions](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/frequently-asked-questions/) - [Mortgage Calculators](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/mortgage-calculators/) - [Home Loan Teams](https://www.libertysavingsbank.com/mortgages/mortgage-loan-officers/) - [Overview](http://libertysavingsbank.com/mortgages/mortgage-loan-officers/) - [Bradenton/Wildewood Home Loan Team](https://value.libertysavingsbank.com/wildewood-mortgage-team) - [Sarasota/Stickney Home Loan Team](https://value.libertysavingsbank.com/stickney-mortgage-team-1) - [Sarasota/Square South Home Loan Team](https://value.libertysavingsbank.com/square-south-mortgage-team) - [Lakewood Ranch/Home Loan Team](https://value.libertysavingsbank.com/lakewood-ranch-florida-mortgage-team) - [Venice/Home Loan Team](https://value.libertysavingsbank.com/jacaranda-mortgage-team-2) - [1098 Mortgage Interest Statement](https://www.libertysavingsbank.com/mortgages/1098-mortgage-interest-statement/) - [Personal Loans](https://value.libertysavingsbank.com/personal-loans-florida) - [Commercial/Business Loans](https://value.libertysavingsbank.com/commercial-business-lending) - Support - Getting Started - [About Online and Mobile Banking](https://www.libertysavingsbank.com/help/getting-started/about-online-and-mobile-banking/) - [Installing the Mobile Banking App](https://www.libertysavingsbank.com/help/getting-started/installing-the-mobile-banking-app/) - [Accessing the Online Banking Site](https://www.libertysavingsbank.com/help/getting-started/accessing-the-online-banking-site/) - [Logging In](https://www.libertysavingsbank.com/help/getting-started/logging-in-overview/logging-in-for-the-first-time/) - [Logging Out Overview](https://www.libertysavingsbank.com/help/getting-started/logging-off-overview/logging-off-voluntarily/) - The Homepage - [Using the Menu](https://www.libertysavingsbank.com/help/the-home-page/using-the-menu/) - [Viewing Accounts](https://www.libertysavingsbank.com/help/the-home-page/viewing-accounts/) - [Viewing the Sidebar](https://www.libertysavingsbank.com/help/the-home-page/viewing-the-sidebar/) - [Account Information on the Home Page](https://www.libertysavingsbank.com/help/the-home-page/account-information-on-the-home-page/) - [Account Details Overview](https://www.libertysavingsbank.com/help/the-home-page/account-details-overview/) - Online Activity - [Creating Custom Views in the Online Activity Center](https://www.libertysavingsbank.com/help/online-activity/creating-custom-views-in-the-activity-center/) - [Sorting Transactions in the Online Activity Center](https://www.libertysavingsbank.com/help/online-activity/sorting-transactions-in-the-activity-center/) - [Viewing Transaction Details in the Activity Center Overview](https://www.libertysavingsbank.com/help/online-activity/viewing-transaction-details-in-the-activity-center-overview/) - [Copying A Transaction](https://www.libertysavingsbank.com/help/online-activity/approving-transactions/) - [Sending a Message About a Transaction in the Activity Center](https://www.libertysavingsbank.com/help/online-activity/sending-a-message-about-a-transaction-in-the-activity-center/) - [Printing Transaction Details from the Activity Center](https://www.libertysavingsbank.com/help/online-activity/printing-transaction-details-from-the-activity-center/) - [Exporting by Transaction Type in the Activity Center](https://www.libertysavingsbank.com/help/online-activity/exporting-by-transaction-type-in-the-activity-center/) - Personal Banking - [Enrolling for Financial Tools](https://www.libertysavingsbank.com/help/personal-banking/enrolling-in-cpfm/) - [Classic Bill Pay](https://value.libertysavingsbank.com/libertycard-onfile-and-instapay) - [Depositing a Check on Your Mobile Device](https://www.libertysavingsbank.com/help/personal-banking/depositing-a-check-on-your-mobile-device/) - [Managing Manual Accounts](https://www.libertysavingsbank.com/help/personal-banking/managing-manual-accounts/) - [Financial Tools: Using PFM Widgets](https://www.libertysavingsbank.com/help/personal-banking/using-pfm-widgets/) - Business Banking - [Canceling Pending Transaction](https://www.libertysavingsbank.com/help/business-banking/canceling-pending-transaction/) - [Approving Transactions](https://www.libertysavingsbank.com/help/business-banking/approving-transactions/) - [Explainer Videos](https://www.libertysavingsbank.com/help/explainer-videos/) ![FDIC Logo](https://news.libertysavingsbank.com/hubfs/logo-fdic.svg) FDIC-Insured - Backed by the full faith and credit of the U.S. Government # News & Insights [Home](https://www.libertysavingsbank.com/) News & Insights ## The Easiest Way to Start Budgeting: 3 Tools You Can Use in Under 10 Minutes ![](https://news.libertysavingsbank.com/hubfs/pexels-karolina-grabowska-5900268.jpg) *“A budget is telling your money where to go instead of wondering where it went.”* – Dave Ramsey Americans who track their spending save more than twice as much as those who don’t. Yet, most people never start budgeting at all. Related Article: [STRATEGIES FOR FIXED INCOME SENIORS IN AN INFLATIONARY ENVIRONMENT](https://news.libertysavingsbank.com/blog/budgeting-strategies-for-seniors-inflationary-environment) Why? Because budgeting feels hard. Overwhelming. Complicated. Maybe even boring. But here's the truth: budgeting doesn’t need to take hours, involve spreadsheets that rival NASA's, or require a finance degree. In fact, you can get started in the next 10 minutes—literally. I’m not going to throw you a giant list of 17 apps and hope you pick one. That’s just more decision fatigue. Instead, I’ll show you the 3 best tools that get you budgeting fast—even if you hate math, don’t know where your money goes, or have zero free time. Let’s skip the fluff and get straight to what works. ## Tool #1: EveryDollar – Best for Total Beginners Who Want Zero Math ### What it is: EveryDollar is a free budgeting app (with an optional paid version) built for people who just want simplicity. It’s based on the zero-based budgeting method—meaning every dollar gets assigned a job. ### Why it works: The user interface is clean. There’s no learning curve. You can literally set up your first budget in less time than it takes to reheat leftovers. ### How to Use It in Under 10 Minutes: 1. Create a free account at[everydollar.com](https://www.everydollar.com/). 2. Input your monthly income (net pay). 3. The app walks you through spending categories like rent, food, gas, and fun money. 4. Assign estimated amounts to each. 5. Boom. You have a basic budget. ### What Makes It Powerful: - Pre-filled categories eliminate decision fatigue. - Adjusting numbers is drag-and-drop simple. - Mobile app makes it easy to track on the go. - Great for budgeting with a partner—just share login info. ### Best For: - People who want a no-frills setup - Anyone who hates spreadsheets - Beginners who want step-by-step guidance Pro tip: *The free version requires you to enter transactions manually, which can be a good thing—because you actually see what you’re spending.*   ## Tool #2: Google Sheets Budget Template – Best for Spreadsheet Lovers Who Want Control ### What it is: A free downloadable budget spreadsheet you can use and customize in Google Sheets (or Excel). ### Why it works: Spreadsheets get a bad rap. But if you're even mildly spreadsheet-curious, this tool gives you full visibility into your money—no logins, no syncing issues, and no surprise app fees. Google even provides a built-in template in the Sheets Template Gallery called *“Monthly Budget.”* ### How to Use It in Under 10 Minutes: 1. Go to[Google Sheets](https://sheets.google.com/). 2. Click “Template Gallery” and select “Monthly Budget.” 3. Plug in your starting balance and income at the top. 4. Fill in a few key spending categories: housing, groceries, utilities, transportation, etc. 5. Start tracking expenses as they happen. ### What Makes It Powerful: - Built-in charts show spending trends in real time. - You can add or delete rows depending on your lifestyle. - Shareable with a spouse, roommate, or accountability partner. - It’s private—nothing syncs to the cloud unless you want it to. ### Best For: - People who want to customize everything - Those who prefer not to link bank accounts to apps - Anyone with unique income/spending situations (freelancers, retirees, gig workers) Pro tip: *Make a copy of the sheet and customize it with your own categories like “Pet Food” or “Weekend Getaways.” Color-code it. Make it yours.*   ## Tool #3: Rocket Money (formerly Truebill) – Best for People Who Hate Tracking ### What it is: Rocket Money connects to your bank accounts and automates the boring stuff. It tracks your spending, flags subscriptions, and shows you where your money is actually going—without you lifting a finger. ### Why it works: The hardest part of budgeting is consistency. Rocket Money removes that burden by doing the work behind the scenes. ### How to Use It in Under 10 Minutes: 1. Download the app or visit[rocketmoney.com](https://www.rocketmoney.com/). 2. Connect your checking, savings, and credit card accounts (secure encryption). 3. The app pulls your transactions and categorizes them instantly. 4. Within minutes, you’ll see spending insights, budgets, and recurring subscriptions. ### What Makes It Powerful: - Identifies and cancels unused subscriptions for you. - Smart alerts warn you when bills go up or you’re about to overspend. - Gives you a real-time snapshot of where your money’s going. - Offers bill negotiation services if you want to lower things like internet bills. ### Best For: - People who want a set-it-and-forget-it budget - Busy professionals or families with no time to track spending - Anyone who feels like their money just “disappears” Pro tip: *Use the free version to get started. The premium version includes bill negotiation and automatic savings—but the basic plan gives you plenty of insight for free.*   ## Budgeting Doesn’t Have to Be Hard You don’t need a financial advisor. You don’t need a 12-tab spreadsheet with pivot tables. You don’t even need more than 10 minutes. What you do need is momentum. And that starts with picking one tool—just one—and using it today. Not tomorrow. Not after your next paycheck. Today. Here’s the quick recap: | **Tool** | **Best For** | **Setup Time** | | --- | --- | --- | | EveryDollar | Total beginners who want simplicity | ~5 minutes | | Google Sheets | Spreadsheet lovers & DIYers | ~10 minutes | | Rocket Money | People who want automation | ~6 minutes |   Pick the one that feels easiest to you—and commit to using it for 7 days. Track your spending. Make tiny adjustments. Build awareness. That’s it. No guilt. No perfection. Just clarity. You don’t have to be perfect with money to start winning with it. You just have to begin. 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APY= Annual Percentage Yield Copyright © 2023, Liberty Savings Bank, F.S.B., Member FDIC, Equal Housing Lender, NMLS #408905, All Rights Reserved. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Bill Rieger", "url" : "https://news.libertysavingsbank.com/blog/author/bill-rieger" }, "dateModified" : "2025-07-09T15:05:49.436Z", "datePublished" : "2025-07-09T15:05:40.000Z", "headline" : "The Easiest Way to Start Budgeting: 3 Tools You Can Use in Under 10 Minutes", "image" : [ "https://news.libertysavingsbank.com/hubfs/pexels-karolina-grabowska-5900268.jpg" ], "mainEntityOfPage" : { "@id" : "https://news.libertysavingsbank.com/blog/the-easiest-way-to-start-budgeting-3-tools-you-can-use-in-under-10-minutes", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "/hs/hsstatic/content_shared_assets/static-1.4091/img/vast.png" }, "name" : "Liberty Savings Bank" } } ```