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GOBankingRates spoke to Oliver M. to see what his monthly budget is like while tackling $25,000 in debt from credit cards and personal loans.

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According to the US Bureau of Labor Statistics, the average monthly cost of groceries is $504 as of late 2024. The total annual cost for families should be approximately $6,043.

“We allocate our initial funds to our fixed expenses, which include utilities, dining out and grocery budget,” said Harris. Their monthly budget for food is $650, while that for utilities is $600.

How do you create a 50/30/20 budget? Step 1: Calculate your monthly take-home pay. This includes paychecks from your job, money from a side hustle, or retirement checks from Social Security.

A monthly budget can help you stay on top of your finances. Use NewsNation's 50-30-20 calculator figure out how much to spend.

A monthly budget can help you stay on top of your finances. Use NewsNation's 50-30-20 calculator figure out how much to spend.