Surely you don’t need to pay a FA to set yourselves a budget?
You’re still going to have to sit down with FA so they could understand the entries on your bank statements. And part of being able to keep to a budget is both having a common understanding of what you spend right now vs what you agree to spend in future
You just need to set a weekend aside. Once you’ve done once it will take less than a day once per year to review and reset for the next year.
You can download your statements into a single running excel sheet. You can then set up filters to filter by your main payee types to find your total spends by say council tax, food shops, energy, phone etc. you can add a column and designate a category code to lump a number of different payees together under a single type of spend/category ( eg clothes from a number of different shops)
Decide on some categories you want to identify your spending on eg food, entertainment, bills, gifting, housing cost etc…focus on trying to identify and split necessities from “wants” or whims. That way you can identify more easily where you could spend. Come up with list first based on just last 2 months statements. Then do calculations of what you spent in each category over last 12 months using excel . Make sure all your spends and income on your statements are included in the categories you’ve chosen.
If you’re good with excel, or willing to learn, you can use this to track yourselves against budget each month or quarter and check and adjust your spends where necessary. You can easily create a annual budgeted total for each category and a predicted total using your actual spend to date.
Just need to get some basic excel skills in use- surely most folks have this today if they’re under 70 !