To determine your personal inflation rate, start by identifying the items that make up the majority of your monthly expenses. 

This may include things like rent or mortgage payments, utilities, groceries, transportation, and healthcare costs. 

Once you have a list of these expenses, track their prices over time. This can be done by keeping receipts or using an app that tracks prices. 

Next, calculate the average increase in prices for each of these items over a given period of time, such as a year. 

This will give you an idea of the rate of inflation that you’re currently experiencing. 

If your personal inflation rate is higher than the national average, you may need to adjust your budget accordingly. 

This can entail finding methods to boost your income or reducing certain costs. 

On the other hand, if your personal inflation rate is lower than the national average, you may have more flexibility in your budget.