"Ask Brianna" is a Q&A column for 20-somethings, or anyone else starting out. I'm here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to firstname.lastname@example.org.
Q: I've heard I'm supposed to create and stick to a budget, but that seems complicated and time-consuming. Do I really need a budget in my 20s?
A: It is, unequivocally, a good idea to have a plan for how you spend your money. With a budget, you won't spend your whole paycheck — after you've paid...