(NewsNation) — So, you got your tax refund — now what? Try finding a budget method that works for you.

For the saver, the spender and the person in between, there is a budget system that can work. Here are five different methods.

Envelope budgeting system

When using this system, also known as “cash stuffing,” people take envelopes, write down a specific expense, such as utilities or groceries, on each one, and then put the money they plan to spend on those into the envelopes.

First, figure out your total monthly income. Then, set your spending categories. Keep in mind routine bills like rent, entertainment or personal savings. These are the categories you’ll write down on the envelopes.

After that, pick the dollar amount you want to spend in each of these categories and write it down. Once you get paid, you can withdraw cash from your bank and divide it into envelopes.

Incremental budgeting

An incremental budget uses a person’s or business’s current budget as a base and then allows for adjustments based on the current economic climate.

An incremental budget is built by taking the previous year’s budget and then adding in costs based on expected increases or decreases in spending, according to Datarails.com.

Experts suggest using the rate of inflation to calculate how much of an increase should be added to a budget from the previous year. Other factors that could also be included in determining how much of an incremental increase should be added are sales prices and costs.

Zero-based budgeting

Zero-based budgeting is a financial method that aims to pair each dollar earned with a specific purpose, preventing overspending in certain areas and fully using up your paychecks.

This system encourages you to use every penny of your monthly income, as long as you do it consciously. By predetermining how each cent you earn will be used, you will end each period — classified by your paycheck frequency — with a base of zero dollars.

While it may sound like you’re living paycheck to paycheck, the strategy ensures all monetary needs are met and helps reach savings goals.

Pay-yourself-first budgeting

Also referred to as reverse budgeting, this approach prioritizes savings over expenses.

It’s a simple process that involves opening a savings account through a bank or credit union and ensuring it is automated to allocate funds from your paycheck.

“The simplest explanation is that paying yourself first means depositing a portion of each paycheck directly into your savings. The remainder is then spent on your expenses,” according to Citizens Bank.

The ‘no budget’ budget

If budgets haven’t worked for you in the past, consider the “no budget” budget.

Also called the anti-budget, it is an intuitive saving method in which you take your net monthly income and your required expenses into account while keeping spending low.

Instead of tracking each dollar with strict budgeting, you intentionally slow your spending for things other than “must-pays” like rent, gas and food. After paying essential bills, you can spend the rest as you wish.

NewsNation’s Anna Kutz, Cassandra Buchman and Jeff Arnold contributed to this report.