You don't need to use your real name to setup your account. Your e-mail address is only used if you ever need to reset your password. The budget amount is the *total* amount you can afford to pay towards your debts (all of your minimum payments plus whatever extra you can afford). It needs to be *more* than the total of all of your minimum payments for the debt snowball to work. You can always change it later anytime you want. Here's some quick help if you need it.