Do you know why most people are resistant to budgets? They think budgets are going to restrict them from everything fun in their life. That’s not the idea behind a budget. A budget, call it a spending plan if that makes you feel better, is a written plan to show you where you’re spending your money. Read this post if you need help setting up a budget. Read this if you need help tightening up your budget a bit.
Maybe you’ve set up your budget and you realized that you’re spending more then you are bringing in each month. Now you’re mad at me because you think you’ve just proved to me that a budget is going to suck all the fun out of your life. Nope, the budget just showed you that you need to tweak some things so you can still live your life but not at the cost of your financial future. The trick is to find a substitution instead of eliminating things completely from your lifestyle.
Here are some easy substitutions when you need to cut back. Continue reading
