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Budgeting 101: How To Create a Budget You Can Live With GOBankingRates 2/2/2021 © Eva-Katalin / Getty Images Young man working at home office. If you struggle with managing money, you’re not alone. A GOBankingRates survey found that 69% of Americans have less than $1,000 in savings. That makes it hard to handle emergencies. Budgeting can help. What Are the Benefits of Budgeting? Budgeting money doesn’t mean buckling down and never having a latte again. When it comes to how budgeting helps, it means: You know how much money is coming in and how much is going out. Based on your priorities, you decide how much you want to spend on flexible expenses.

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