Many people consider developing a budget to be a simple task. But there are a whole group of other people who just don’t like balancing checkbooks, working with spreadsheets, or crunching numbers of any kind. In an economy like the one we’re facing right now, creating a budget is in everyone’s best interest. You’ve got to outline your expenses and your income, even if it means you have someone else do it for you. Your budget should include the essentials - what your monthly income is, what bills and monthly expenses you have, projections of expected increases and decreases, and some buffer for the unexpected.