Personal Budgeting for Beginners: How to start a Budget even if you don’t want to budget


This post is perfect for hard-working people looking to change their bad money habits. If you are new to budgeting and you have no idea where to start, continue reading, you’ll learn 3 simple steps that are easy to follow. 

Why stumble through life spending money you don’t have…  

Ever heard of the game “Hungry Hungry Hippos”,  where 4 kids straight-up brawl over who can get their Hippo to eat the most marbles? 

If you’ve heard of the tabletop game, then you know what I mean. If you haven’t heard of the game, let me just say – it gets loud & crazy. Trust me. 

Anyway, the whole point is to give you a visual of what your bank account looks-like when you don’t have a budget or spending plan. The marbles represent your money and the out-of-control kids screaming and shoving each-other represent the people you owe.

However, business owners no longer need to scream and fight for your money, now they have something called advertising/marketing being jammed in your face reminding you how badly you need what they got.

Let’s start with the basics, what is a Budget?

A budget is a spending plan that helps you keep track of the money you have coming in and the money being spent on a weekly, biweekly, or monthly basis – its meant to help you properly manage and maintain your home, lifestyle, or business. 

Why is Budgeting necessary?

According to an article on, creating a budget “ensures that you will always have enough money for the things you need and the things that are important to you”. is a free public service provided by a non-profit charitable organization called the Credit Counselling Society (CCS), you can read more about why budgeting is important here.

After reading this post you will:
  • Feel confident: Budgeting like you’ve been budgeting all your life with my step-by-step instructions on how to get started.
  • Gain knowledge: Stop making money mistakes with understanding and experience.
  • Be prepared: Using the Monthly Budget Worksheet as a tool 
Are you bad with money because you don’t have the know-how or the tools to properly manage your finances?

Not managing your money correctly can be super stressful and frustrating – causing you to feel agitated, angry, and depressed. A lot of our financial struggles originate from lack of experience and/or knowledge when it comes to money. Fortunately, this can be easily worked on and corrected. 

I know all about bad money habits – I was the 4-Star Captain of that team. But, one day, I got fed up with it all and had to do a deep dive into my behavior. I knew it wasn’t going to be pleasant but I was determined to better my life.

In order to take control of your money, you need two things; knowledge & tools. My duty is to get you to your end goal as quickly as possible by providing the knowledge & tools I’ve discovered from either my personal experience or professional advice I’ve researched. Stay tuned for my next post about the top 5 websites I use to learn about money that offer free resources. 


You don’t have a budget because you don’t know where to start and the whole process seems overwhelming…

If you feel overwhelmed when you think about budgeting, it’s probably because you don’t know where to start. Or you feel stuck with no idea what to do next. Like anything else in life, there are processes and procedures that help us bypass challenging obstacles to get to our end goal. 

Our money habits are typically learned behaviors and passed down to us from generation to generation. If your parents, or grandparents didn’t know how to manage their money correctly – then most likely neither do you. That’s not always the case though, plenty of people grow up with parents who were great at managing their money but for whatever reason failed to pass down the valuable information to their kids.

There are many layers to budgeting, and in this post, we focus on creating a monthly budget worksheet that monitors our spending in a more detailed manner. 

Before we dive into this topic though, you should read my post about creating a monthly income & expense worksheet here. These worksheets are part of my eBook, Take Control of Your Money: A Beginner’s Guide and should be used together, as a kit, to manage your personal finances. Want the eBook for free Opt-in to our email list and receive exclusive content and offers (for a limited time only)

The reason I put setting goals first is because without goals we are lost in life with no direction or purpose – life is chaotic and you’re just along for the horrible ride.

Setting goals benefits you by prioritizing what’s important in your life – so that your money works for you and not the other way around. Click here to read my post on how to set goals – stress-free. And get the free PDF bundle you can download and use to start writing out your goals today.

Learning how to manage your money can be a little scary at first… but, it really doesn’t have to be if you know how much money you make monthly and how much money you spend monthly.

Budgeting becomes effortless with preparation and practice.

We are more productive when we break things down into bite size pieces because our brain needs time to absorb and adapt to the new lifestyle.

Click here to read my post about how to create a monthly Income & Expenses worksheet and use FREE PDF, plus access to editable Google Sheet to personalize.

Most of the fears we possess when it comes to budgeting derives from having to face the truth about where our money is really going each month.

Let’s be honest, don’t you hate it when someone calls you out for the dumb sh*t you do with money?


We hate being reminded that we mucked-up our finances and our lives because of our bad money habits – and we especially hate it when it’s our inner-self doing the reminding.

Well, let me ease your mind a little by helping you out with this awesome Monthly Budget Worksheet PDF  that I currently use to manage my finances. It was created in Google Sheets so continue reading for a link to your very own live/editable version and get started right away.

Monthly Budget Worksheet PDF

Don’t forget to leave a comment below and let me know if this post was helpful

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 Hi! I’m Yasix


  • Wife
  • Mom/stepmom to 6 amazing kids
  • Culinary Chef
  • Member of the ADHD Club
  • Professional mistake maker
  • Wanna-be Blogger
  • Entrepreneur
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