A Budget Makes Life Easier
Truth be told, budgeting takes a bit of work. (Stay with me!) Good things come to those who wait and even work for them, I might add. However, I can say without any hesitation that a budget-friendly life is the easy life. Our family’s finances have been changed and we are able to handle our money much more easily because we budget.
Budgets do a variety of things for people. Our budget helps us to live on one income. Budgeters get their finances off the auto pilot cycle and on to a path that is more strategic and purposeful.
Let me explain where the EASY part comes in. You’ll want to consider a budget if you haven’t already once you see how much simpler life can be.
I’m a planner that loves lists and order. In fact, I feel out of control and nervous if things aren’t clear to me. Budgeting gives you clarity on how you handle your money. I find that having an accurate picture of where we are each month with bills and savings is the only way to go.
Budgets give you clarity on these things:
- The money you have left to spend each month.
- At a quick glance you can see if you have any wiggle room.
- How much you have saved month to date.
- If you have an unexpected expense, then you can see where you need to readjust more quickly in order to cover the amount.
Are you sensing how a budget makes life easier? There will be no more “stalking” your bank account to figure out if you have enough money to cover the check you just wrote. Your budget will help you have clarity and a better knowledge of your finances.
Budgets give healthy parameters on how to allocate funds. I love knowing what to expect and how I’m able to spend our money. A budget is truly my friend because it sets a definite plan in place.
The unexpected will come up like a broken transmission, a pricey doctor’s visit or even a surprise field trip that you didn’t plan to spend money on. If you have set your budget and expectations in advance, then the surprise expense is less “earth shattering.”
You’ll be able to simply regroup, reallocate and tweak as needed. Your original plan may be altered but it’s less confusing to do a switch up on the fly when you had a firm idea in place.
Budgets are made to be followed but they offer a beautiful feature called flexibility too. Gasp! Yes, I said that you get a little flexibility.
In other words, you may adhere to your written budget but notice that you have some extra money available. You have a decision to make and being flexible helps you to allocate the cash as you discern best.
Do you want to put the extra amount toward credit card debt? Would you like to give yourself a little wiggle room in next month’s food budget and buy some extra items with your new found money surplus?
Being completely pinched and strapped to the max when it comes to your finances is never fun for anyone. Most people would prefer to live the easy, breezy budget friendly life instead. Set a budget and you’ll see (after some initial work) that things will fall more easily into place.
Hopefully, you already have a budget in place. If so, I’d love to hear from you! Share your tried and true techniques in the comments. What works best for your home?
If you are new to budgeting, then please ask any questions in the comments! Best to you on your budgeting journey and it really does get easier the more you practice.