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Why do people want to pay other people to manage their own money? Because people are lazy, and they would rather make someone else do their thinking for the sake of convenience. Just imagine how vulnerable you would be to someone else in this situation! So why not learn to Budget yourself? It is super easy to set one up, but it is hard work to modify your behaviors to operate within the constraints you set for yourself within your budget. Hard work will pay off in a very short period. It worked for me:



Here is another example of how to budget in Excel:http://www.makeuseof.com/tag/excel-spreadsheet-techniques-to-make-a-personal-budget/