You can easily create your own budgeting worksheets by accessing free worksheets online and then customizing them to your specific needs. This is one area where you definitely don't need to pay money unless, of course, they come with a software program you purchase. However, if you just want to make a list of your income and expenses that you will use to create a budget then you can find plenty of free examples online.
Cut out. Lots of us pay for things we do not even use. This is another mistake that gets easier to make with so many automated payment plans. Do you keep a gym membership that you do not use? Replace that with a brisk walk, weights, or a stationary bike. You will not have to make monthly payments, and you may find it is more convenient.