Apex Trigger to prevent child record to be saved

Hello Apex Masters!

I'm new on Apex and I'm trying to create a trigger that prevents Salesforce from saving child records.

Parent record: "Account"

Custom child record: "Budget" --> Fields: "Year"(picklist) and "Amount" (picklist, four values)

Conditions for saving related child records:

- Maximum of 3 "Budget" child records per related account and "Year" (e.g. "2016")

- Sum(Amount) of related "Budget" child records must be <= $500 per year

Can you help me with this?

It seems not to be working with validation rules.

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