How do you all start budgeting at the beginning? I'm in a spot where I need to make decisions about how to break up my various loans, debts, etc.. and I feel like it's hard to do that without any budget to go on. In 3 months? Sure, I can start averaging out what I tend to spend each month, but how did everyone manage right at the beginning. Especially interested in how people choose a method for breaking up their debts per month.