One of the most common advice that was dished out to folks having money problems is to have a budget. For me, I felt that you do not always need a budget if you get competent with money, but if you aren’t, you got to understand about the budget to sort yourself out.

Going through the motion of creating and maintaining a budget trains the money discipline that have been missing in your life.

The best form of budgeting is not some form of super sophisticated smartphone app that do everything for you. No. It is the kind of budgeting that you have to do majority of the work yourself. Just like studying, writing down things create some reactions that make remembering and understanding better.

Using a Spreadsheet and carrying out Zero Based Budgeting is what I recommend for most people.

Your mistakes

If you are going through the …