Dealing with spreadsheets and numbers and … ugh … lots of little details is tough enough. Creating a budget can feel a bit overwhelming. If this is the first time you’re trying to put together a personal budget, I’d suggest taking it slowly. How to create your budget plan spreadsheet But also the things you learn can help you develop new habits that become second nature to you. First, it helps you get a handle on what you’re really doing with your money over time. So a budget - our new best friend - might be exactly what’s needed. And you can’t imagine what being in control again might even look like. Or maybe you simply worry that you’re spending is out of control. And you don’t want to be swamped by debt while trying to live the good life. Perhaps you’re dreaming of a house some day and want to be able to truly afford it. Or maybe you see everyone else around you with a lot more savings. I’m guessing you already have some idea of why you might want to create a budget plan for yourself. Or simply help make it possible for you to be able to sleep late without credit vampires waking you up. Or help you retire one day without relying on cat food lunches. In fact, “budget plan” sounds like a real nuisance.īut what if I tell you those “limits” can eventually help buy you freedom? And the ability to buy things you really want down the road. Boring! And then you think what those words might mean for your life - like setting up “limits” to your spending? Ugh!! Nothing there to get excited about either. The words alone have such an awful sound.
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