![]() Mint has become my budget accountability buddy. It is nice to have a digital budget that I can access on my computer or my cell phone that sends me reminders to pay and notifies me when income has arrived. I don't even want to think of what they are doing with all my data. Personally, I know how to avoid credit card offers, so the ads don't bother me much. The tradeoff for Mint being free is that there are ads everywhere. Syncing all the transactions, keeping track of my assets, bills, debt, net worth, and so much more. Mint is free and does all the hard work for me. No thank you.Īfter several other budging methods didn't work for me, I landed on using Mint. Mostly because with my disdain for budgets comes even more disdain when someone asks me to pay a monthly fee to budget. This was a good app, but it was very much like a digital version of the pen and paper method. Then I moved on to trying the Everydollar app. I wrote down everything I did with my money for a month. When I initially decided to create my plan, I tried pen and paper. I tried many budgeting strategies before landing on my spending plan That's right, I don't even call what I do a budget.Ī hybrid method is really what works for me. I allow a pen and paper, multiple spreadsheets, the Mint app, and a lot of notifications to help me with my spending plan. No, I don't give my problems to someone else to deal with. In fact, it will keep you from going broke. There is so much going on and so much to keep track of.īut remember, living on a budget does not make you broke. I need personal budgets, business budgets, and a few others. I have a fully-funded emergency fund and I invest, but still, when I look at my multiple budgets it is scary! Yes, I do mean multiple. The truth is I don't live paycheck to paycheck. Translation, I usually feel poor (despite having a lot) so what is the best thing to do? Avoid! There's the lovely money avoidant magical thinking. I am in the wealth-building phase, which means I am doing everything now to sacrifice and set myself up for success in the future. To be clear, my financial life is complex. ![]() Once I realized this was the case, I had to challenge and change these beliefs and habits. You can see why people who are money avoidant may have difficulty managing a budget. I want to live in this magical world where I work and I'm always paid the correct amount, and when I spend money it is always there.īeing avoidant translates to ignoring financial statements, knowing it is payday and not checking my account, or never spending believing there is no money in the account. For me, being avoidant means I don't like to keep track of my money in the first place. Money mindsets drive how you think and act when it comes to money. I'd like to start off by saying I didn't initially know I hated budgeting, But when I learned more about money mindsets, I found out I was money avoidant. By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept our ![]()
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