How Much Time Do You Have?
On average, new budgeters save $200 their first month and more than $3,300 by month nine! Pretty solid return on investment.
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Confidently spend your money. You’re the boss. The drill Sergeant. The maestro. When you earn money, you prioritize how you’ll use it, and then simply follow your plan.
As soon as you get money, you’ll decide what it needs to do—whatever is most important to you. Then, instead of deciding to buy something based on your mood, or the big (or small?) pile of money in your checking account, you’ll decide based on a rock-solid plan.
Rule One Steps:
Drag the arrows left and right to find out.
Your $500 account balance, leads you to believe you’re flush with cash, so you spring for sushi. (And you go big.) But a few days later some bills come due and you don’t have the money. (Because you ate it.) You’re officially stressed.
You have $500 in your checking account and assign every dollar a job by dividing the $500 into various categories. When a friend invites you to sushi, you consult your Eating Out category (with a $10 balance) and suggest your friend come over to your place to split a DiGiorno’s pizza instead. A few days later some bills come due and you just pay them.
A lot less stress. You’ve already mapped out a plan, so instead of stressing over every little (guilt-inducing) spending decision, you’re just working your plan.
No raise, windfall, or inheritance required. (Though all of those would still be nice.)