If you’ve never had a budget or you’ve tried before and couldn’t make it stick, you’re not alone. I used to feel completely overwhelmed by where to even start. Every “money plan” I found online felt too complicated or unrealistic for my real life. Over time, I learned that keeping it simple is what actually works. This guide is the no-frills version of budgeting. It’s for anyone who just wants to know where their money goes and how to make it stretch a little further. I’m goi