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The word everyone just loves to hear, LOL!  Budget.  A budget sounds about as exciting as getting a root canal, right?!?!?!?  Yep!  You know you need a budget, but you don’t want to do it because then you will realize how crazy you have been going with your money.

why you should get on a budget now

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You will find out you spend $100 per month going through the McDonald’s drive-thru or that your quick runs to Walmart are costing you an arm and a leg!

I get it.  But that STILL doesn’t change the fact that you just need to rip off the band-aid already and get down to it.  Just budget!!  Get it over with.  I know it may not seem like it, but you will feel much better when you understand what you owe and how much money you can spend each month.

There are a lot of benefits to budgeting.  Budgeting will help you breathe easier at night.  It will help you when you have an emergency and you don’t have to stress about finding the money to cover it.

Here are five reasons you need to get down to work and get on a budget today:

  1. A budget gives you permission to spend

A budget gives you permission to spend.  You know that feeling you get in the pit of your stomach when someone asks you to go to dinner for a birthday after work and you reluctantly agree.  You know you don’t have the money, but you feel obligated to participate.

You feel like someone will talk about you if you say you don’t have enough money to go.  Or worse, someone will volunteer to pay for your meal like you are a charity case.

That is a terrible feeling.  Well, when you are on a budget, it is simple, you either have the money or you don’t.  End of story.  Black and white.  No, if and’s or buts needed.  Yes or No.

And guess what, when you do have the money available to go out for a birthday dinner, you don’t have to feel bad about saying yes.  You can say yes and know without a shadow of a doubt, you can afford to go.  You don’t have to get that feeling in the pit of your stomach when you say yes.

And guess what else??? That food will taste a whole lot better when you know you can afford it.  Yep!

  1. Know where your money is going

This is big for control freaks like me!  How great will it be to KNOW exactly where your money is going?  You know how much your bills are each month, how much debt you have, and how much you spend each month on groceries?

It feels amazing!!  I can tell you.  You can see which categories you are overspending on and figure out ways to save.  You may start using coupons or cash back apps.  You may take your car to get the oil change on “Ladies Day”.  You will be amazed at how resourceful and creative you can be when you are trying to budget.

  1. Save more and spend less

When you know where your money is going, it is a lot easier to save.

When you realize you are spending way too much money on in certain categories and you are nickel and diming yourself in the poorhouse, you have to find ways to cut back.

You see all these commercials for subscriptions and monthly services that are JUST $10 a month.  Just $0.33 per day.  That is less than a cup of coffee.  It is easier to not fall prey to these marketing gimmicks when you have a budget.

When you do a zero-balance budget, everything is perfectly balanced.  Well if you add on a JUST $10 a month service, you have to take the $10 from somewhere else in your budget.

How is that for the control freaks?  LOL!  I can tell you when you have a zero balanced budget, you will think twice about adding in another line item.

  1. Quit fighting with your spouse

This one is a game changer!!  For real!  I remember when my husband and I started to budget.

Side note: He is the “free spirit” spender in the family and I am the “uptight” saver.

He would ask me a question about money.  Like, hey John wants to know if we want to go to Buffalo Wild Wings to eat this Friday.  I wouldn’t say yes or no, I would just say if the money is in the restaurant envelope, yes.  I have no problem with that.

He would go look at the envelope and it would be empty.  He got his answer then.  If there was money in the envelope the answer would have been yes.  See how easy that is?  I didn’t even have to tell him no or get into an argument over it.  Black and white.  Either the money is in the envelope or it isn’t.  Easy as pie.

  1. Quit having the pit in your stomach when you look at your bank account

This one is huge too!  How many times have you gotten a pit in your stomach when you looked at your online banking?  Am I the only one?  I didn’t think so.  You went a little crazy over the weekend swiping that debit card and you KNOW you don’t want to open the online banking.  I guess the car payment will have to wait until the next payday.  Yep.

Well when you budget, you don’t have to worry about any of that.  You know how much is in your bank account because you are on a budget and you are balancing your checkbook.  No worries.  No pit in your stomach.

This one is worth its weight in gold!!  I hate feeling like I am not in control of my money and getting a pit in my stomach when my husband and I talk about money.

I still struggle will budgeting sometimes.  Things will come up and throw you off your game.  Your child will have an unexpected surgery.  You will get pregnant with your second child and want to hibernate through the first trimester.  Your emergency fund gets depleted.  It takes the wind out of your sails.

I know.  You have to get on track and STAY on track.  You have to!  You have bigger fish to fry and more things to worry about.  Finances shouldn’t be one of them.

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