A budget is just a plan for your money. Think of it as a map to get you to your money goals. And you need a budget. Because here’s the thing—if you do every single tip in this how to save money list, but you don’t have a budget . . . you’re in trouble. You’ll end up accidentally spending everything you intentionally saved. Simply because you didn’t have a plan! It takes about three months of budgeting to get into the groove. So, don’t give up if it’s messy at first. It’s okay to keep adjusting y