Dear Olga, How do I ACTUALLY set up a budget? Every time I try, it seems like there are missing parts. Is there a step-by-step way of doing this, and figuring in your expenses and the moving parts? Thanks, El Dear El, This is one of the top questions I'm asked, so I'm very glad you wrote in! Like any new thing, one of the hardest parts about putting together a budget is starting. What do you do? How do you do it? You're ready to put down your pencil, just reading this, aren't