And now, on with the first post for 2014. Enjoy!
Budgets are for newbies. When you are just starting to use a budget, it helps you see more clearly. You write down things you may otherwise forget. All of this helps you when you feel overwhelmed. Budgets are good for people who are just getting to know their personal finances.
But over time, you get used to the routine activities of managing your money: pay bills first, keep spending down, pump up your savings account. Watch out for those irregular expenses like taxes in April, gift money for Christmas, and paying the car insurance. Yaaaaaaaaaawwwwwwn. Trust me, once you’ve done this for a couple of months, you’ll be able to do it in your sleep.