This document provides tips for creating a simple budget from Bookkeeper Girl. It explains that many people avoid budgeting due to lack of time and fear of what their finances may reveal. The top three tips for budgeting are to keep it simple, honest, and ongoing. A sample budget worksheet is provided to track fixed and variable income and expenses on a monthly basis in order to determine if expenses are exceeding income and affordability of discretionary spending. The goal is to take the time to budget, overcome fear, and gain clarity into one's financial situation.