Creating a Budget

For many, the thought of creating a budget makes them cringe. However if you crave financial independence or freedom, then managing your spending will be an important step - whether that's through a spending plan, a budget or some other method, understanding what money you have, where it is going and consciously deciding what is required vs what would be nice to have (need vs want) is an important step. 

This article take a view on the process from a budgeting perspective  


https://www.pennypinchinmom.com/how-to-create-a-budget-beginner/