How do I create a monthly budget that actually sticks?

Start by tracking every expense for one month before building your budget, so your numbers reflect reality rather than wishful thinking. Categorize spending into fixed costs like rent and utilities, then variable necessities like groceries, then discretionary spending. Use the 50/30/20 rule as a starting framework: 50% needs, 30% wants, 20% savings and debt. The reason most budgets fail is they're too rigid. Build in a small buffer for each category and include a guilt-free spending category so you don't feel deprived. Automate savings immediately when your paycheck arrives so you never see that money. Review your budget weekly for the first few months, not just monthly, so you catch problems early and adjust before they derail everything.