Budgeting often gets a bad reputation. To many people, it feels restrictive, full of spreadsheets, and requires you to track every latte and late-night snack. But here’s the thing: the most effective budgets are usually the simplest ones. And for new savers, having a clear, easy-to-follow ratio like 50/30/20 or 70/20/10 isn’t just helpful—it’s empowering.