3 Ways To Make a Budget That Actually Works

3 Ways To Make a Budget That Actually Works

A budget *should* be pretty simple, right? You figure out how much money you make, and how much money you have going out, and whatever’s left is for saving or spending money. But let me guess...you’ve tried that, and it didn’t really work. So you find yourself at your trusty google asking the world what you’re missing.

I could write a book about what’s missing here, but in a nutshell...

Why your budget needs "blow money"

Why your budget needs "blow money"

When you’re trying to save money, one of the first things you do is look through your expenses and try to cut unnecessary spending. You’ll pull back on eating out, you’ll think about cutting the cord with the cable company, switch to generic brands for a while, stuff like that. This is the natural impulse, and it is a good impulse. Overall, doing this can save you hundreds, if not thousands, of dollars every year.


But, there’s one area of your spending that you should not cut but you’ll be sorely tempted to. That area is your “blow money”.

What I'd Do If I Won The Lottery

What I'd Do If I Won The Lottery

I think about money a lot. I think about how I use it, how I can better use it, how I can help others use it differently. How I can teach about it better. How I can show my daughter how to use it well and not feel bad about herself in the process. Thinking about money is my actual job.

I’m really practical about money. Sometimes to a fault (just ask my spouse!). But there’s something about daydreaming about winning the lottery that gets anyone, myself included, feeling less practical. But only to an extent - I can’t turn off my budgeting-love that easily.
So what would I do if I won the lottery?

Why Budgeting Isn't Really About Money

Why Budgeting Isn't Really About Money

Do you remember that viral online dating video that was going around a few years ago, where the woman tried to talk about herself and kept breaking into “sorry, I’m thinking about cats again”?

Yeah, that’s me - but with budgeting instead of cats.