I came to the conclusion that budgets don’t work for everybody because it doesn’t really work for me. Especially since I have a significant other and we don’t always see eye to eye. Yea a budget helps me to see if I’m spending more money than I’m taking in but I’ve learned to use Outright.com to keep track of that. Yea it’s for small business but it does the job of keeping track of my total income and expenses without having to worry about setting up categories.
My “You Know” theory
My theory is that we all know what we’re doing when it comes to spending. We know if we’re spending too much but we just don’t want to face up to it. Well you won’t be helped by this. In fact, you really can’t be helped by any plan until you change your attitude. Go get help.
Cut down on the extras
For everyone else that actually wants to change their situation try this idea. Just cut out half of what you do. No I’m not talking about fixed expenses like rent or mortgage. I’m talking about things you can actually control. If you eat out for lunch 5 days a week, try to make your own lunch 2 days or even 3 if you’re feeling spunky. If you don’t want to cut out buying lunch then cut out something else more than half. Instead of shopping every weekend so shopping just once a month. Sign up for Outright.com so you can see how you’re making progress.
No this isn’t going to work for everyone but if you’re having a problem sticking to a budget or you don’t know how to start, try this.
This is going to teach you to sacrifice. Yea it’s a tough word but it’s just that, a word. It’s not going to kill you to sacrifice, but it will make you stronger financially. I tried looking up another word for sacrifice that was nicer sounding but there isn’t one. But here’s a word that is good, Freedom. Freedom to live without the stress of debt and without knowing how you’re going to pay to fix your car because it just broke down.
Don’t wait to have to sacrifice when you’re in a crunch and have to stop everything you’re doing. Sacrifice a little now so you’ll get financial freedom. So don’t start a budget, start sacrificing.
What do you think about this?