Start a budget by gathering your bills and pay stubs. Think about how you spend money beyond paying bills. For example, do you buy coffee daily or pay for education and entertainment? These expenses can add up over a month.

Once you have your bills and pay stubs, write down your expenses.

Write down your income

Subtract your expenses from income

If the number is negative, you are spending more than you earn. Look for areas in your budget where you can cut back.