We have all heard things like: “It’s important to stay within your budget.”  But what IS a budget?  How do you create one? A budget is simply a list.  But it is a very important list.  This list shows you where your money comes from and where it goes.  Having one allows you to figure out what you can and cannot afford. Here are some steps to get you started creating your budget:   Pull out all of your bills.  Yes, ALL of them.  Even the nasty ones you wish would just disappear.  It is important to know exactly what money you need to pay out each month.…