The word “budget” sparks many different emotions. Some people swear by their budget. Some people swear at their budget. And others swear they had a budget, though they can’t seem to remember exactly what’s in it or where it’s at. There’s a case for each option.
I’ve talked about how I don’t really care about money before. I know it’s weird coming from a finance nerd, but it’s true. We give money and stuff too much value. That’s why the 10-year rule is so important.
These goals could collectively create a blueprint for your financial future. Many of these things aren’t even about the money. It’s more about what you become by accomplishing the goal than pure mathematical success.
Kids have the largest influence in what and where your family eats, entertainment choices, family vacations, and many other aspects of your life. Advertisers not only know this, they exploit it.
Years ago, when it seemed like everyone started reading finance books, one of the main things woven through most popular books was how making small decisions could lead to huge financial success.
The “5 Ps” say “Proper Planning Prevents Poor Performance.” That’s true, but when it comes to finance, I say, “Calculated Proper Planning Prevents Overspending,” or C-3PO. If you live by that phrase, your finances will be golden (ok, I’m done).