Beginners should lean into tools that will keep their spending within the parameters they set.
For example, you can download a budgeting app to keep tabs on your available funds without having to do any math. Many budgeting apps will alert you when you've gone over budget â€" or are getting close.
Another option that's great for beginners is the cash envelope method. Using physical cash and having a limited amount to spend makes sticking to your budget more tangible.