I've been hearing it said “you need a budget” a lot, but I’m still not sure where to begin. I’m trying to figure out how to set up a budget that really works for my situation. What process do you follow to create your monthly budget? How do you balance fixed expenses with variable costs, and have you found any tools or methods (like the envelope system, a specific app, or a spreadsheet) particularly helpful when tracking spending? I’d love to hear what’s worked for others, especially if you're just starting out or juggling multiple income sources.