If you are not making it each month and struggling and living paycheck to paycheck, why bother putting it down on paper and actually KNOWING the numbers? It will just make you depressed and won’t change anything.
Money management is not about math. It’s not about the numbers. It’s about the feeling that you have towards your money. And budgeting gives you CONTROL.
Budgeting is not a magic wand that will suddenly make your paycheck larger or your expenses smaller.
Once you know how big your gap is, then you have a goal. Once you have an actual, specific goal, then you can make a plan to work towards that goal.