Answer: Hi dear. It's very easy to make a budget. You need to know how much you spend on each thing. Divide your expense heads in categories such as grocery, daily needs, rent, electricity/water bill, child education, loans, etc. Then put down the expense amount for a month. You know how much you have to spend. Now you can start making a budget from the next month. Try to manage your expenses by spending only 60% of what you get. You can easily do this by making small changes. Save 20% for emergency expenses and the rest 20% for regular savings. Try to review your budget every 15 days to see how it is going. Try to stick to it as much as possible.
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