A lot of people skip budgeting because it feels like a full-time job. It does not have to be.

Once a week, sit down with last week's spending and answer three questions:

1. What did I have to pay?

2. What did I choose to spend?

3. What do I want sitting in savings at the end of the month?

If you cannot answer those without opening five apps, the problem is not willpower. You do not have a simple system.

Write the answers down. Repeat next week. That is the whole habit.