Skip The Scary Budget Programs and Do It The Easy Way
Budgeting programs are a complete waste of money. There, I said it! Why spend upwards of $100 on a program whose entire function is to suck your time away and make you miserable? Sure, we all need to manage our money, plan for our expenses and save a little. It doesn’t have to be difficult though. I’ve always found that a simple sheet of notebook paper, or a spiral-bound notebook and a pencil take far less time to manage and have no learning curve like financial software does. The easiest way to control your finances: Set aside fifteen minutes a week, grab your notebook (and your partner if they are interested) and write out your expenses and your income. If your budget changes because of a birthday, a new loan or a new account just add it in. When you pay a bill, check it off on the paper. Having that simple written guideline is enough for most of us. It tells you approximately what you will want to spend on groceries, school expenses, bill payments, etc. If your budget changes, scratch it out or erase it and reconfigure. That usually takes about five minutes and you’re