May: Establish a Monthly Budget Believe it or not, there are ways to avoid having to pay for lunch with the change scattered at the bottom of your purse. Sticking to a budget may sound tedious at first, but once you get into the swing of it, you'll be basking in the comfort of having a cushion in your bank account. The golden rule of budgeting? Always leave room to set money aside for savings. Image Source: Pexels / rawpixel.com