For many people, the idea of budgeting can be challenging. Days are taken up with work, friends, family and the energy and activities required just to manage your life. There never seems to be enough time to focus on finances. However, budgeting is really the foundation of everything in our financial lives. Developing a budget can do more than track your spending and savings. It can help you work toward your financial goals. The following steps can help you build a budget that works for your life, so you can focus on pursuing your financial goals.