It’s been 10 years since I realized that I am really passionate about personal finances. There’s just something about numbers, something about the mental side of spending, something about the stress, something about the power that money holds over us that just makes it worth figuring out.
I remember very specifically when my idea of “how to budget” first popped into my head. I was struggling with the idea of budgeting- I knew that nothing seemed to work. No one sticks with budgets– with their endless categories– with envelopes or jars or spreadsheets or software. Do YOU have time to sit down and enter your receipts on the computer? Do you want to shuffle your money between envelopes or jars?
Here is an even more important question– Say you are on a category based budget– you have $4 left in the “gas budget” but your tank is on empty and you need to make a quick trip “to the city” or “across town”… are you going to NOT go? Doubtful. If you need to go then you need to go.
Said another way– category based budgets don’t work.
I know that– and I am guessing you do too.
So, here we go. Come along. Learn with me.
P.S. aka One Last Thing
This site is not a blog. It’s an instructional site. I want you to participate with me. I want you to implement the Three Piece Plan in your life.