(To the tune of “Let’s talk about Sex” by Salt-n-pepa)
Let’s talk about budgets baby.
Let’s talk about them and me.
Let’s talk about all the good things and
the bad thing that can be.
Let’s talk about bud-gets.
If you are anything like my husband, budgets are like a Dementor’s Kiss (Yeah, I’m talking Harry Potter.) They suck out your soul and leave you feeling empty and depressed.
I on the other hand quite like budgets, much to the dismay of Mr. Penny Pincher. But, I get it, it’s not fun for everyone.
The thing is, having a budget gives you clear goals and guidelines for where your money should be going. By creating a budget you are telling your money where to go, instead of just spending and seeing what you have left.
Before we started using a budget, I would just keep an eye on our account balances and the bills that needed to be paid. But, I would inevitably miss things and that would create havoc. On top of it we were spending a TON of money on little things. Heck, debit cards make it easy to swipe and go and you don’t really even think about how much you are spending. Until, you check the account again and are shocked by the balance (you know what I am talking about right?)
I get it, creating a budget is probably the hardest part. And for those of you who don’t love numbers (gasp, Really? Come on. They are FUN. I promise!) It can be down-right painful.
- Where do you start?
- How much should you allot to each category?
- How much do you actually need for food, clothing, and fun?
In this series I am going to be walking you through how to start and hopefully stick to a budget step by step!
So make sure you tune in!
How has having a budget or lack of a budget helped or hindered your finances? Leave a comment below. Let’s chat about it!