Easy Budgeting for Non-Budgeters
Budgeting isn’t fun. Very few people look forward to tracking all of their purchases, cutting back when they’ve overspent, and adjusting their budget from month to month to meet changing conditions. However, it’s a necessary chore, like cleaning your house or apartment, that you should do because it’s good for your financial health. But so is exercising and according to the Department of Health & Human Services, we as a nation aren’t doing such a great job at that.
When I first started working, I was a very diligent budgeter. I recorded every single expense in a document called a Budget Bible, built from a template my friend Melinda sent me. I budgeted to the penny, the most labor intensive of the five budgeting systems I once wrote about. I kept it up for about six months but eventually I grew tired of it. It was important to budget to get a better handle on my finances, but once I had a handle the daily routine was unnecessary. I went from the most diligent of budgeters to a non-budgeter!
So how do I get back on the wagon? How does a personal finance blogger reform?
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Readers of Bargaineering probably are aware that my wife and I grow a garden every year. We live in a townhouse without much land so our garden consists of vegetable plants put into a variety of containers. Every year we grow tomatoes, eggplants, peppers (hot and regular), some spices (oregano, basil), and then some random ones we think would be fun.




