Establishing a budget and sticking to it isn’t easy, but it’s the best way to be in control of your finances and make sure your money is going toward the expenses that matter most to you.

Follow the steps below as you set up your own, personalized budget:

1. Make a list of your values.
2. Set your goals.
3. Determine your income.
4. Determine your expenses.
5. Create your budget.
6. Pay yourself first!
7. Be careful with credit cards
8. Check back periodically