3. Calculate your discretionary expenses - the non-necessities, like leisure, consuming out and personal finance family budget planning any gifts you may have to purchase. For example, consuming one lunch from residence versus takeout every week would give you at the very least $10 to speculate. With compound interest and time in your facet, even $5 or $10 a week is sufficient to begin. Think you don’t have sufficient cash to start investing? It is solely figuring out how much money you should cowl your expenses and ensuring you don’t spend more than that amount.