Having a budget is one of the most important financial decisions you can make. As Dave Ramsey says, you need to make your money work for you. Once you know how much money you have coming in each month and how you’re spending that money, you can start to overhaul your finances.
So, how to do go about setting up a budget?
First, you need to know that the perfect budget doesn’t happen overnight. It takes, on average, three months to get a budget right for you and your lifestyle.