Start Small, Think Progress
Perfect budgets don't exist, and that's okay. Most people quit because they expect immediate perfection. Instead, aim for gradual improvement each month.
Emergency Fund Reality Check
Forget the standard "three months of expenses" advice for now. Start with 0. That covers most car repairs, medical bills, or appliance problems that derail budgets.
The Real Budget Killer
It's not expensive purchases - it's the small recurring charges you forgot about. Subscriptions, fees, and automatic renewals add up faster than you realize.