How to Make a Budget – 12 Personal Budgeting Tips for First Timers By About Cash Flow Editor | 24 February, 2011 - 11:02 pm |22 November, 2014 Personal Finance Do you have a personal budget in place to manage your finances? If not, you need one now. Follow these 12 steps for creating a budget for the first time. More: continued here Tagged budget. Bookmark the permalink.