Here are some helpful budgeting tips to help you come up with a functional budget to keep your finances healthy. These bills should really be planned for throughout the year, and not necessarily considered ‘surprise’ expenses. Because of all these other hidden expenses, using $4,200 as a basis for your budget really isn’t accurate. It’s probably closer to $3,000, and maybe even less. It’s crucial that you know exactly how much is coming in every month, because that’s the figure you’ll be basing your budget around.