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.
As a first step, you should find out ways to save money. For example, if you go to the grocery store hungry and unprepared, it’s easy for your groceries to spiral out of control. Instead, map out a shopping list and stick to it.
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.
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.
The entire process of finding out all your debt numbers and seeing how much you spend on groceries…it’s just too much. You do not have to do it all in one day. As a matter of fact, I would suggest you use baby steps to make small changes over time.