If you don’t have a budget, you are living dangerously. You have either fallen off the proverbial financial ship or are taking on water and sinking slowly without even realizing it.
Budgets have a negative connotation with them, don’t they? In my early days, budgets meant no fun. All work and no play is awful, and I felt a budget meant no eating out, no video games, and no freedom in general.
The truth is, you can have a budget and enjoy life at the same time. There is a secret budget fund known as “fun money.” This fund allows you to spend money on junk – just because you can.
By establishing your why and setting goals, you will help make your budget work for you, rather than wonder why you work so hard and are always living paycheck to paycheck.