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Your step by step beginner's guide
No this isn't a 50-30-20 budget, or Zero-based budget or one where you have to budget 8 different categories of spending (like $15 for retail, and $88 for eating out)
This is my custom, paycheck by paycheck budgeting system, complete with the pre-budget work of understanding your income, expenses and spending patterns to help you build a realistic budget.
"Know your numbers" sheet: understand how much of your income is going towards fixed expenses each month
"Where did your money go?" sheet: a financial audit on how much you've ACTUALLY been spending on things like eating out, personal care, services, shopping etc.
"Strategic Spending Plan" sheet: the paycheck by paycheck budgeting template