Budgeting and scheduling aren't difficult to do.
As with most goal setting in life, it is the consistent follow-through which can be challenging. This may include analyzing variances and incorporating the feedback/insight into future iterations of the budgeting and scheduling.
For personal finance, it is often helpful to have an annual budget, detailed by month, and also a two-year and five-year projection. Possibly you already have these in place? Otherwise this may be a good activity to address at this point, as you outline the finances needed to fuel your other goals.
