There are certain financial tasks that are often portrayed as much harder to manage than they really are. Let’s look at three of them.There are books, blogs and tutorials dedicated to budgeting. Simply put, budgeting means being aware of how you spend your money. Online banking and debit cards have made tracking your spending easier than ever. Or you can total the receipts from your transactions each month to see if you’re spending more than you’re bringing in. If so, cut somewhere, and set some extra money aside until you have three-to-six months of emergency funds saved. If you have only one source of income, you can do your own taxes. For those who don’t want to try it with a pencil and calculator, there’s software that turns the process into little more than data entry. Some software even unveils potential deductions you may not have known about. Estate planning is much easier than it sounds. If you have more debt than assets, it’s a matter of creating a will and buying enough life insurance to cover your debts once you’re gone. For most people, the best approach is to buy a will kit and work through it before going to a lawyer. The kit takes care of the basics, so you and your lawyer can focus on the specifics of your estate, such as how to raise minor children in your absence. If estate taxes are a problem, then you can probably afford an estate planner to help.