Creating a budget is a very important aspect in securing your financial wellness. By building a monthly budget that is slightly higher than your typical spending limit, you can allow for a financial safety net that could be crucial in the case of an emergency. An overestimated budget will also allow for extra savings! Overestimate your monthly budget by 100 dollars and create a savings account to deposit your budget leftovers into each month. Overestimate your budget and underestimate your savings!