Ignorance is bliss…right? Well, in the case of the monthly budget, I think ignorance is just stressful and dumb.
I spent a lot of time not knowing where our money was going, and because of that I overspent a lot of months on things I didn’t really need. Worse, our credit got ruined because of it.
I wish I could go back and do it over, but there are no do-over’s. It is a lesson learned. Now, I want to know exactly how much money I have coming in and where it is going.
“If you won’t take the time to figure out how it works, you shouldn’t be surprised when it doesn’t work for YOU.” -Gail Vaz-Oxlade on money in Money Rules
It’s Really Not That Hard To Build A Budget But…
You can easily sit down and figure out your monthly income and expenses. Building an accurate budget is not the hard part.
The hard part is admitting that you need to save some money, put money towards unexpected emergency expenses, and put extra money towards your debt when you can. None of us want to factor in any more expenses than we have to, but it is a necessary part of the budget.
You may think that going out to dinner is more important than paying a bill, but I have found that once you get honest with money and start using it to better your life, you reduce worry, anxiety, and stress from your life – and that makes you happier!
Your Budget Is A Written Goal For Your Money – Dave Ramsey
Go Out And Make A Budget!
This article is meant to be a personal observation that if you want to be happier in life, having a handle on your money will do it for you!
Making a budget is the starting point to get real about your finances and make a plan to make your money work for you.