So, it’s time to talk budgets.

You don’t want to do one – and I totally get that. Because it sucks. It’s not fun. Unless you are one of those people who dig such things (and if you are, you are a weirdo, but you know what, that’s okay. I like weirdos…).

So, here’s how I approach it.

I use a program called You Need a Budget. It’s super easy to use.

I have one day a week set aside where I sit down and figure out where I’m at with spending and what’s in the budget. Sometimes I do it more often. I have all the receipts from the previous week (or few days) and make sure I’ve got every penny accounted for.

It sucks. It’s boring. Numbers make my head hurt, and quite frankly the idea of doing anything on a weekly basis makes me want to run in the other direction. Sometimes it scares the crap out of me to see where I’m at with my money, because I spent more than I should have.

And that, right there, is exactly the point.

If you know where you are, you are less likely to overspend.

So, quit being a baby. No excuses, just do your budget.