Are you struggling under a mountain of debt that seems to never go away? Are you tired of getting to the middle of the month, and wondering where all of your money has gone? Are you like millions of fellow Americans that are drowning under high interest rates, large student loans and more? Then you need a budget. This guidebook is your number one tool of 2020 to finally create that budget, and gain the freedom that you have always wanted for your money. Instead of wondering where your money heads each month, learn the proper money management tools and techniques to finally gain control and get this to work for you! You need a budget. Dave Ramsey and all of the other financial gurus out there agree! And with this guidebook, we will learn how to create a budget, what categories are found in a good budget, how to make adjustments, adding a little fun into the budget, and so much more!