The hardest thing to do is taking that first step. It happens almost every weekend with this blog, when I start with an empty template and not having the slightest idea on what to write about. When it comes to personal finance, budgeting may be the hardest first step. There are so many things needed to be written down that most would probably decide on doing mental accounting.
Humans may be lazy for reasons of energy preservation and by that reason, it may be most logical to break efforts into smaller ones that would be most realistically executed. In budgeting, we have to make a single effort that contribute to starting a budget. That first single effort may be writing our monthly/biweekly/weekly income on top of a piece of paper. You can then build on it on a later day or maybe become motivated to continue and finish it on the same day.
My experience is that once something is started, it builds an emotion inside, a feeling of fixation on wanting to finish it.
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