Don’t forget about me (said your budget)

It’s nearing the end of the month and the number one thing people struggle with when we start to work on a financial plan is the timing.

I say timing – not time – because no matter what, you’re eventually going to spend the time.  This is more about spending that time in smaller (more useful) chunks and *ahem* not procrastinating.

I am an expert level procrastinator (if I wasn’t this post would have been up last week to remind you to do this mid-month), so I am not throwing any stones here.  Instead let me throw you a soft cushy place to land before that procrastination completely takes you to that crazy overwhelmed place. Continue reading “Don’t forget about me (said your budget)”

The Budget

Budgeting is no April fool’s joke. And it’s not a gimmick.  And this one doesn’t even come with a click bait title.

A budget is a plan. Having a plan on how you want to spend your money is not something that should cause anxiety or panic attacks.

I spend a crazy amount of time reading about money and finance and psychology and a never ending list of things related to money.  Because almost everything is related to money if you look closely.

Earlier this week I was reading the comments on a new money book.  I haven’t read the book, but the things people were saying about their fear and panic and anxiety regarding money made me want to pull people through the internet, sit them on my couch and say “Hey! We’re going to get you past this feeling and back into reality. And you’re going to be OK about money.”

Reality is that money itself is neutral, not scary.  Money is just a tool to trade skills and products because the barter system is really a pain in the ass when you need a gallon of milk at 2 a.m. Continue reading “The Budget”