Life is often complicated! All the technology we have these days can enrich our lives, but it also adds to an already long list of things we have to learn and keep up with. I’m a technology guy and I like gadgets, but I have devices with tons of features I’ve never used. I don’t have the time to sit down and figuring everything out.
Simplicity is particularly important for tasks we don’t actually want to do. If you’re like me, when you don’t want to do something you don’t need much of an excuse to avoid it. And a task being too difficult, too hard to understand, or too complicated is usually a good enough excuse for me.
Most of us probably don’t want to actually budget our money either. Which is why having a complex budgeting system will most likely fail in the end. If your system requires too much effort or doesn’t fit into your daily life, eventually you’ll find excuses to ignore it a little. Then it won’t be accurate, so it won’t give you meaningful information, which means you’ll ignore it even more. And before you know it you’ll be back to the bliss of completely ignoring where your money is going. Well, it’s bliss until you can’t pay your bills or realize the balance on your credit cards is higher than your car loan!
Success in budgeting is about consistency over a long period of time. In order to have that consistency you’ll need a system you can really stick with. And it’s not one size fits all, so if you’ve tried something in the past and it didn’t work out, it may not have been right for you. Try something different until you find what works. Anything is better than nothing!
No matter where you’re at with budgeting, take some time to think about what the next step is you could take to make things better. You don’t have to get to perfect in one day, just think about the next step. Write that step down and try to get it done this weekend.- Aaron Freeman