Will wrote:YNASP just doesn't sound right.
philospher77 wrote:And I am thinking that people who may be resistant to "budgeting" might be more willing to sit down and work on a plan to spend money. This would include talking about what you want to spend money on, how soon you can spend it, and what, if anything, you would be willing to give up today in order to get to spend that money sooner. You might start off with the grandiose "when we retire, what are we going to do? Travel? Give money to the kids? Start up that little shop we've always wanted?", and then the more immediate dreams: vacations, new car, buying a home, getting that sweet new electronic gizmo, etc. Then start talking about what you need to do in order to get there.
This is precisely what seems to work with people who who are resistant to the idea of controlling the flow of money toward or away from different goals, whether you call it a budget, a spending plan, a cash flow funnel, or My Great-Aunt Lucy.
Yes, the terminology matters, but the question is always how to get the idea across that it's not about doing without; it's about building resources for what you want to do.
The thing that seems to cause the most resistance is a fear of deprivation, and if one spouse is trying to get the other to spend within a budgeted amount, there's an added fear of being manipulated or controlled. No matter what you call it, if you're asking someone to change their spending habits, they have to be invested in the way the cash flow is being changed. They have to learn the real tangible benefits of budgeting.
When I explain my YNAB experience to others I describe budgeting as a tool to help me direct my money towards the things that matter to me instead of frittering it away on things that don't, and I point out that the former includes things like breakfast out with my best buddy, skiing, expensive cat food (for the cat, not me), and pricey free-trade small-batch-roasted coffee. This gets the point across: budgeting isn't about deprivation, it's about confidence that I can do the things I really want to do by simply paying attention to my spending choices. It can even make budgeting sound almost appealing.
"It’s still all about the method. Fancy Cloud Sync algorithm aside...the software is there to help you become more aware (Rule One), anticipatory (Rule Two), flexible (Rule Three), and secure."--Jesse's blog, A Method to Your Madness