These 4 Easy Steps Will Teach You How To Budget (Finally)

Spread the love

Budgeting is stupid; it’s so boring and most of us never stick with it. Let’s change that. Learn an easy way to (not) budget in just minutes a month.

Old-school personal finance books tell you that if you just create a budget and stick to it, then—POOF!—all your money problems will be solved. But anybody who has ever tried budgeting knows it’s complete crap.

Old-school personal finance books tell you that if you just create a budget and stick to it, then—POOF!—all your money problems will be solved. But anybody who has ever tried budgeting knows it’s complete crap.

In fact, only one out of every three Americans creates a formal budget every month.

You know you should budget, but you also know you’re not really going to do it. Learning how to budget isn’t the problem, and here’s why:

  • You can visit any one of hundreds of personal finance blogs to read about budgeting techniques
  • You can download free spreadsheets here and on countless other sites
  • You can pick up one of dozens of books
  • You can use any one of dozens of budgeting apps—many free

And even if you write down every dollar you spend for 30 days (which, done manually, is a complete pain in the ass), you’re still human.

Over the past five-plus years, I’ve experimented a lot with budgets. I’ve set monthly budgets, annual budgets, and weekly budgets.

I’ve tracked my spending using paper and pencil, spreadsheets, and apps like Mint.com. And through this I’ve learned something:

Tracking spending manually is pointless.
I never keep up. And I’m a financial blogger—a total nerd about this stuff.

If I can’t do it, I don’t expect you to. Monthly budgets are useless because we underestimate our monthly expenses.

There are some things you just have to pay for every month, such as housing, transportation, utilities, food, and debt payments.

Read more at: https://www.moneyunder30.com/no-more-budgets

Get Daily Updates
Enter your email address and click on the Get Instant Access button.
We respect your privacy

Leave a Reply

Your email address will not be published. Required fields are marked *