Reasons Why People Hate Budgets

1. Feels constricting
2. Puts us on the hook
3. We’re in denial
4. Seems like too much work (laziness)
5. Not sure where to begin
6. We’ll say we’ll budget when we make $X per year
7. We tried it once and it didn’t work
8. We think people will make fun of us (pride)

How to Actually Start (and Stick With) Budgeting

1. Reframe your view (think of it as a “Spending Plan”)
2. Put yourself in charge of the budget
3. Create a discretionary expense fund
4. Make it automatic
5. Tweak the system to work for you.
6. It’s not 100% or nothing…