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They didn’t understand why they were still struggling to make ends meet. After creating their first budget, the couple was not actively tracking their spending, so they didn’t notice when they had blown past their self-imposed restaurant spending limit. If this is what you think of as budgeting, it’s very tough to actually get ahead, as Janine and Henry learned. So they vowed to spend no more than $50 a week at restaurants-and went on their merry way feeling good that they’d made a budget. Let’s look at an example, using a composite couple, “Henry” and “Janine.” The first time Janine and Henry tried to make a budget, they realized they had dropped over $450 the previous month on dining out. You plan for how much you will spend in the future. You figure out how much you have been spending. You sit down with your accounts and receipts. We often tend to think of budgeting as a one-and-done kind of chore. Here’s how you can create a straightforward and simple budget that works for you. Thankfully, despite reports to the contrary, starting a budget from scratch doesn’t have to be painful or difficult. And if you’ve never created a budget, you may feel overwhelmed by what exactly you are supposed to do, and how you’re supposed to do it. Unfortunately, just because budgeting is simple doesn’t mean it’s easy. Work to keep the second number lower than the first.Track what you earn and what you spend.Whichever method you choose, personal budgeting involves three basic routines: