If you’re like most people, creating a budget tends to fall to the bottom of your to-do list. And it’s no wonder! There’s something about a budget that feels so restrictive. Between careers and personal obligations, our lives have enough structure. Who wants to pile on even more rules? The thing is, the right kind of budget should empower rather than confine you. It should allow you to spend money on the things that make you happy and still meet your financial goals. I’ve finally found a budget that works for me, and I’m so excited to share it. Scroll down for five simple steps to start building yours.