Welcome to Budgeting Basics and Beyond where I teach families to organize their budget so they can selectively splurge and live a more relaxed and enjoyable life. My philosophy is that extreme budgets, much like extreme diets, often lead to failure and make the situation worse. We don't need to eat ramen noodles for dinner every night and deny ourselves every comfort or luxury. But we also cannot go wild with spending in every area of our lives. It's all about achieving a financial balance and deciding what is most important to you.
There was a time in my life where I lived on the edge of my finances, spending and splurging on anything I saw. Guess what? I wasn't able to do the things I loved, like travel. I frequently found myself unable to participate in social activities, even something as simple as going to lunch with a friend, if they fell too close to paycheck time, and my bills were not paid on time. Just thinking about it makes me feel stressed.
I finally decided enough is enough. This was not the example I was shown when I was raised, and it's not the way I wanted to live my life. That's when I took control of my finances and developed a forward looking plan. I can help you do the same!