Every month I like to hold a business meeting. Since I live alone, it's very easy to organize. All it takes is a blank sheet of paper, bank statements, bills, income and savings.
I go over the set bills for the month, subtract that from my expected income and (hopefully) increase my savings a bit or (better yet) pay off a bill entirely.
So my challenge to you is to write out your bills- all of them..start that budget..even if it's overwhelming at first. Many times I would make myself worrying about some bill (especially the tax bill!). But go ahead, open that envelope, pull out that sheet of paper, make a plan, and start saving!
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