Money is a terrible master but an excellent servant. - P.T. Barnum
The fear behind not having a spending plan (budget) is real. The fear of reality, stress, commitment, sacrifice and outcome are valid concerns.
But! They are in no way comparable to the reality and sacrifice you may experience if you don’t know where your money is going. If there isn’t enough for rent. If there isn’t enough for food. If there isn’t enough for gas.
Planning your spending is smart, effective and relieves financial stress. Like using a GPS to get to an unknown destination, a budget helps you “see” exactly where your money is and what it’s to be spent on.
CentsAble Chat is here to change your money mindset. To see it as a tool, an ally, in your quest to lead a good life.
Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver. - Ayn Rand