I know, I know…you don’t have the time or dedication to make a budget, let alone stick to one. It’s true, they do take time. But you know what else takes a lot of time? Living in financial disarray! Moving money around to pay off one bill before another is due, fighting over expenses with your significant other, dealing with creditors calling about missed payments, and paying overdraft fees on your bank account all take up more time and energy than preparing a budget. By taking the time to plan your finances, you avoid the hassle, money, and time spent to get you back on track later.
The hardest part is getting started! At the beginning or end of each month, whichever is more convenient for you, plan your expenses before you spend anything. Include your significant other to avoid fighting later about how money is spent. Being proactive is the best way to gain control of your money and achieve financial freedom.
