I MUCH prefer the term “Spending Plan’ to Budget but the same concepts apply. Having a spending plan and following it regularly is essential to creating financial stability and reaching your goals. There are SO many ways to set up a spending plan, many using phone apps or computer programs. But frankly, a paper and pencil plan can be just as effective and easier to implement. Simpler is better than more complex and more likely to actually be used.
Cheryl Wagemann provides suggestions:
- What Is Budgeting?
- 5 Good Reasons to Implement a Budget Now
- Practical Steps to Creating and Using a Budget
- How to Create a Budget With a Spreadsheet
- Budgeting Examples for Personal Finances
- Effective Budgeting Strategies and Methods
https://www.moneygeek.com/financial-planning/resources/guide-to-getting-on-a-budget/