If you can change these five things, budgeting won’t be dreadful, and maybe even fun.
Money feels tight for most people. The biggest mistake that I see is that they think budgeting is rehashing what's already been done: the past mistakes they've made and the past choices associated with those mistakes.Limit your review of last month to five to 10 minutes of your one-hour budgeting session, tops! It’s helpful to know where there might have been leaks or surprise expenses, but what’s done is done.
Focus on what is happening in the next calendar month and stop there. You will realize you actually have more control than you think you do. Budget one month at a time and focus on one area at a time. Don’t plan for next month, until you feel like this month has been handled well.A goal of 80% success is good enough. Type-A people don’t know what to do with this advice.
Thinking your budget will be exactly right is an unreasonable expectation. It will never go exactly as planned if you’re living like a human, and not like a robot. And that’s what a budget is: a plan for you to finance your life in the next 30 days.
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