Before You Start
Many consumers see budgeting as a grueling accounting exercise that isn't worth the time and effort. And, on the surface level, it's true that budgeting is simply an exercise of balancing your monthly inflows versus your outflows, known as expenses.
There are ways, however, to make the activity less of a burden while, at the same time, channeling focus toward your broader financial goals, like building savings. With minimal time invested each month, you can get a great handle on the total cost it takes to run your life.