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	<title>
	Comments on: How to Create a Budget &#8211; 6 Easy Steps to Get you Started	</title>
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	<link>https://cowrywise.com/blog/how-to-create-a-budget/</link>
	<description>Different articles and personal stories about managing money! Learn everything you need to know to plan and secure your financial future now. Read now.</description>
	<lastBuildDate>Wed, 29 Oct 2025 07:55:19 +0000</lastBuildDate>
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		<title>
		By: Shola Japheth		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-60498</link>

		<dc:creator><![CDATA[Shola Japheth]]></dc:creator>
		<pubDate>Sun, 23 Jul 2023 22:44:06 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-60498</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://cowrywise.com/blog/how-to-create-a-budget/#comment-24211&quot;&gt;Musa Mohammed&lt;/a&gt;.

school fees, insurance, and health can be placed in that friend&#039;s wedding column as talked about in the article, t its all about understanding the main idea, looking within yourself where does this item fall, it&#039;s about been creative and manageable with your money, i.e how long money stays in our hand using it effectively.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://cowrywise.com/blog/how-to-create-a-budget/#comment-24211">Musa Mohammed</a>.</p>
<p>school fees, insurance, and health can be placed in that friend&#8217;s wedding column as talked about in the article, t its all about understanding the main idea, looking within yourself where does this item fall, it&#8217;s about been creative and manageable with your money, i.e how long money stays in our hand using it effectively.</p>
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		<title>
		By: Happy		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-58368</link>

		<dc:creator><![CDATA[Happy]]></dc:creator>
		<pubDate>Wed, 17 May 2023 11:45:53 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-58368</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://cowrywise.com/blog/how-to-create-a-budget/#comment-20860&quot;&gt;Ope&lt;/a&gt;.

I have a challenge, am the one catering for the house so most times I run into debts because expenses are higher than income . please how do I work on this.
 thanks]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://cowrywise.com/blog/how-to-create-a-budget/#comment-20860">Ope</a>.</p>
<p>I have a challenge, am the one catering for the house so most times I run into debts because expenses are higher than income . please how do I work on this.<br />
 thanks</p>
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		<title>
		By: Uthman kayode		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-48708</link>

		<dc:creator><![CDATA[Uthman kayode]]></dc:creator>
		<pubDate>Mon, 03 Oct 2022 13:49:45 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-48708</guid>

					<description><![CDATA[Thanks so much. This is an eye opener. I always wondered why I&#039;m left with nothing at the end of the week/month/year after making so much money. Please, do cowrywise have a budgeting app that could be helpful.? It&#039;s important]]></description>
			<content:encoded><![CDATA[<p>Thanks so much. This is an eye opener. I always wondered why I&#8217;m left with nothing at the end of the week/month/year after making so much money. Please, do cowrywise have a budgeting app that could be helpful.? It&#8217;s important</p>
]]></content:encoded>
		
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		<item>
		<title>
		By: Oyekunle		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-48512</link>

		<dc:creator><![CDATA[Oyekunle]]></dc:creator>
		<pubDate>Thu, 29 Sep 2022 23:28:19 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-48512</guid>

					<description><![CDATA[Cowrywise has really helped me to everyone more and spend less

I wish it will not crash]]></description>
			<content:encoded><![CDATA[<p>Cowrywise has really helped me to everyone more and spend less</p>
<p>I wish it will not crash</p>
]]></content:encoded>
		
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		<item>
		<title>
		By: Oluwasegun Idowu		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-48389</link>

		<dc:creator><![CDATA[Oluwasegun Idowu]]></dc:creator>
		<pubDate>Tue, 27 Sep 2022 16:24:34 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-48389</guid>

					<description><![CDATA[Thank you so much Ope. We shall do this]]></description>
			<content:encoded><![CDATA[<p>Thank you so much Ope. We shall do this</p>
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		<title>
		By: Sharon Hope Imeh		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-48317</link>

		<dc:creator><![CDATA[Sharon Hope Imeh]]></dc:creator>
		<pubDate>Mon, 26 Sep 2022 15:17:27 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-48317</guid>

					<description><![CDATA[Thanks for this piece, I really needed it to start my next month.✨]]></description>
			<content:encoded><![CDATA[<p>Thanks for this piece, I really needed it to start my next month.✨</p>
]]></content:encoded>
		
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		<item>
		<title>
		By: Husseina		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-48310</link>

		<dc:creator><![CDATA[Husseina]]></dc:creator>
		<pubDate>Mon, 26 Sep 2022 11:54:26 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-48310</guid>

					<description><![CDATA[Hi Ope,
Thanks for the blog,
I am currently working and I don&#039;t earn enough. Also, I have to settle bills at home and help the family. 
I find it hard to save, any advice on this?]]></description>
			<content:encoded><![CDATA[<p>Hi Ope,<br />
Thanks for the blog,<br />
I am currently working and I don&#8217;t earn enough. Also, I have to settle bills at home and help the family.<br />
I find it hard to save, any advice on this?</p>
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			</item>
		<item>
		<title>
		By: Gloria Duncan		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-48309</link>

		<dc:creator><![CDATA[Gloria Duncan]]></dc:creator>
		<pubDate>Mon, 26 Sep 2022 11:40:28 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-48309</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://cowrywise.com/blog/how-to-create-a-budget/#comment-44765&quot;&gt;Nnamdi Nwafor&lt;/a&gt;.

This article came in on time. Am guilty of many of the bad money management stated in the article. Not withstanding, it is not too late to start. I will be better equipped for the remaining part of the year and next year as well. Thanks Ope]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://cowrywise.com/blog/how-to-create-a-budget/#comment-44765">Nnamdi Nwafor</a>.</p>
<p>This article came in on time. Am guilty of many of the bad money management stated in the article. Not withstanding, it is not too late to start. I will be better equipped for the remaining part of the year and next year as well. Thanks Ope</p>
]]></content:encoded>
		
			</item>
		<item>
		<title>
		By: Gloria Duncan		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-48308</link>

		<dc:creator><![CDATA[Gloria Duncan]]></dc:creator>
		<pubDate>Mon, 26 Sep 2022 11:39:52 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-48308</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://cowrywise.com/blog/how-to-create-a-budget/#comment-40173&quot;&gt;Ali&lt;/a&gt;.

This article came in on time. Am guilty of many of the bad money management stated in the article. Not withstanding, it is not too late to start. I will be better equipped for the remaining part of the year and next year as well. Thanks Ope]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://cowrywise.com/blog/how-to-create-a-budget/#comment-40173">Ali</a>.</p>
<p>This article came in on time. Am guilty of many of the bad money management stated in the article. Not withstanding, it is not too late to start. I will be better equipped for the remaining part of the year and next year as well. Thanks Ope</p>
]]></content:encoded>
		
			</item>
		<item>
		<title>
		By: Nnamdi Nwafor		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-44886</link>

		<dc:creator><![CDATA[Nnamdi Nwafor]]></dc:creator>
		<pubDate>Fri, 12 Aug 2022 16:43:58 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-44886</guid>

					<description><![CDATA[I can control my financial status on my own. Because I really feel to be financially independent, on the basis of personal interest, and growth. Thank you so much.]]></description>
			<content:encoded><![CDATA[<p>I can control my financial status on my own. Because I really feel to be financially independent, on the basis of personal interest, and growth. Thank you so much.</p>
]]></content:encoded>
		
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		<item>
		<title>
		By: Nnamdi Nwafor		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-44765</link>

		<dc:creator><![CDATA[Nnamdi Nwafor]]></dc:creator>
		<pubDate>Wed, 10 Aug 2022 18:52:31 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-44765</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://cowrywise.com/blog/how-to-create-a-budget/#comment-40172&quot;&gt;Ali&lt;/a&gt;.

Thank for this wonderful post of yours. It is more encourage

I need withdraw]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://cowrywise.com/blog/how-to-create-a-budget/#comment-40172">Ali</a>.</p>
<p>Thank for this wonderful post of yours. It is more encourage</p>
<p>I need withdraw</p>
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		<title>
		By: Licia		</title>
		<link>https://cowrywise.com/blog/how-to-create-a-budget/#comment-44188</link>

		<dc:creator><![CDATA[Licia]]></dc:creator>
		<pubDate>Fri, 29 Jul 2022 11:39:11 +0000</pubDate>
		<guid isPermaLink="false">https://cowrywise.com/blog/?p=5049#comment-44188</guid>

					<description><![CDATA[Thanks very much Ope. I always enjoy your post they are enlightening.Talking about budgeting how can one who&#039;s money doesn&#039;t come in bulk monthly go about making and achieving his or her budget.]]></description>
			<content:encoded><![CDATA[<p>Thanks very much Ope. I always enjoy your post they are enlightening.Talking about budgeting how can one who&#8217;s money doesn&#8217;t come in bulk monthly go about making and achieving his or her budget.</p>
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