I feel sorry for budgets. They get such a bad rap. I would guess if "Budget" had a public approval rating, it would be rather low.
Fortunately, it doesn't have to be that way, and I'd like to help change the negative perception. It sounds like this: Isn't budgeting a straight jacket? Doesn't it take away your fun?
Not at all. Do you know what takes away fun? Uncontrolled spending and massive amounts of debt. And, as it happens, that brings more than just money problems.
There are two options when it comes to personal finance. You either 1) let anything and everything outside of you tell you what to do with your money or 2) you to tell your money what to do.
The first is enslaving. The second is liberating. And, in a nutshell, budgeting is telling your money what to do.
Of course, budgeting takes discipline. And "discipline" can be a dirty word. But when is it a dirty word in any other area of life? If you are undisciplined at work, you get fired. If you are undisciplined with your physical health, you get sick. If you are undisciplined in relationships, you end up bitter and alone.
But discipline leads to freedom. Why? Budgeting is actually liberating because in telling your money what to do, you free yourself up to be able to spend money without going into debt.
You paid your mortgage. You have money for groceries. You paid the utilities. You saved some. Now you have some extra for that new phone, those shoes, that class you wanted to take. Whatever it is. You have the money you need that month or saved up over time. Then you make the purchase. Guilt free. Debt free. Totally free.
Who told your money where to go? You. That's budgeting. That's liberating. It's this mindset shift that will help you get over the budget's bad rap.
Now, what if you've been undisciplined with your money and are already in debt? More uncontrolled spending won't solve the problem. If you want financial health and freedom, you'll need to start telling your money what to do. It's that simple.
Perhaps you don't know how to budget or maybe you are the man/woman of a thousand budgets but have never kept one and need some accountability. Either way, please feel free to get in touch. I'd be honored to help you. And increase Budget's approval rating while I'm at it. It's time for a change.
Rehab Tip: Check out my favorite budgeting app: You Need a Budget. It has everything you need to get started budgeting or taking your budgeting game to the next level. I use it weekly for our family's budget. It has a yearly fee but for what it can do, it's totally worth it. Bonus tip: Every Dollar is a great basic and free app option.