How beginner, intermediate, and advanced budgeters really handle their money 💵 Beginners will start with a pen and notecard…but will give up after 1 month. They’ll quickly realize Excel and Google Sheets can make things easier and level up to intermediate. Our advanced budgeters know that using an app like NerdWallet and reviewing their finances monthly makes for the best odds of success! #budgeting #personalfinance #nerdwallet #money #saving #investing #financialliteracy #budgetingtips