It’s never too late to create and use a budget. If you wait you perpetuate the problem of no clarity of where your money is going.  If you set goals you have no idea if you’re coming close to them.  All of this could be a sign that the money is controlling you instead of you controlling your money.  Why not start immediately so you know exactly where you’re at; which will give you clarity on your current state.  It’s a discipline of mindset to start a budget, stick to it, if you approach your numbers with a willy nilly mindset, that’s what you’re going to get willy nilly results.  People are feeling anxiety, depressed, that lost feeling of what am I going to do.  Controlling your cash helps alleviate a great deal of those feelings.