I am 20 years old I'm tired of wasting my money, not having a correct budget, and always being broke! Don't get me wrong, my needs are met after borrowing from family and friends! It has to stop. Can you suggest tips or MUST-DO's when creating and sticking to a grown woman budget. THANK YOU!

You are not alone AT ALL. In fact my mother realized that I had finally turned over a new leaf when I stopped asking to borrow money to cover my bills and that was at age 26! A lot of people make the mistake of complicating their budget and not truly setting parameters.
I suggest giving yourself a cash allowance and challenging yourself to limit your purchases to that allowance. Carrying Cash will make you a more mindful spender. For example take out $100 per paycheck for non-needs. I happen to love Dave Ramseys Envelope system which is explained here: http://www.daveramsey.com/blog/envelope-system-explained and encourages you to spend cash on everything within reason.
A few other actions I suggest are staying out of the stores and unsubscribing from e-mail newsletters. Create shopping list for your shopping trips and don't go without one. It can seem challenging, but if you don't go in stores you most likely wont spend money. If you go into a store, get what you came to get and LEAVE. Don't Lolly gag.
Cut back on brunch and dinners out with friends. These can really addd up so I limit myself to one per pay periods or opt for cheap meet-ups like tea or Happy Hour. Girls nights in are also a great way to cut back on dining out costs.
And lastly, here's a great way to get started on making a painless budget:
Create a list of all of the things you would buy in a month. That includes rent, phone bills, manicures, groceries, brunches, cigarettes, subscription, and entertainment.
Everything. No item is too small. Once you've completed that list, write down how much you spent each item last month. If you need a reminder going through your online banking transactions is a great (and painful) way to do this.
Separate the needs from the wants. Needs are items that are essential to your daily operation such rent, utilities, transportation, etc. I consider wants to be items I could live without. Circle your needs. Put an x by your wants.
Now ask yourself, can you spend less on your wants? Do you feel guilty about how much you've spent? Determine what a reasonable amount is for each want and if you can omit it from your budget do so :) Create a budget for this and use the envelope system to keep yourself in check.
I hope this helps!

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