Should I Cut Up My Credit Card To Get Out Of Debt?

Creating a budget isn’t something that everyone does and there are a lot of reasons why people don’t budget. Many have found a reason or excuse to not budget. As a matter of fact, about 68% of people do not have a budget.

What if I told you that by just making a few small changes each month with your spending habits, you could get back on track? And you could have money left at the end of each month.

Reasons Why People Don’t Budget #1: I don’t know how to budget. In the age of information at your fingertips (literally), this excuse is just no longer valid. There are courses, articles, coaches, and planners to help you through this. You can find hundreds of Youtube videos and experts ready to help you find the right budget for you and guide you through the process.

It takes too long.

I’m not going to lie to you here. It’s a time commitment. Especially when you’re just getting started. The time that you put in at the start will never have to be done again. it’s the initial start-up that you will have to invest but that’s not any different than any new project.

If you think you don’t make enough money to have a budget, then you are the exact person that should have a budget. Let me promise you, you are going to feel a sense of calm wash over you once you get past the work – and maybe shock.

I don’t make enough money.

I don’t want to know.

Oh, come on now. This is not an adult response. What do you mean you don’t want to know? I’m putting on my “mom hat” and telling you it’s time. It’s time to take a hard look at your money and decide what kind of a human you want to be.

It’s too overwhelming.

It can be difficult to find the time and energy for all of your responsibilities, including budgeting. It is important that you take baby steps so it does not seem overwhelming at first. Break down what needs changing into small goals like making a dinner plan or setting up automatic payments.

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