Guide to Un-Budgeting

I have to be honest about something: I really don’t like budgeting.

Let’s face it: budgeting is a pain in the neck. At least in the traditional sense where you set limits on your spending and have to consider every purchase for whether it fits within those limits. And then when you have to spend more than your limit in a certain category in a certain month, you have to figure out how to move money around and lash yourself 10 times as penalty and…


All of that takes a lot of time and energy and causes a lot of guilt. And when you’ve already got a job, your kids, a spouse or partner, family to see, friends to hang out with, maybe even a hobby to enjoy, I mean, who wants to spend all that time worrying about whether their next purchase will put them over-budget?

So I’ve developed a system for myself that lets me make constant progress towards my long-term goals (which is the whole point of budgeting) without keeping a traditional budget. I call it “un-budgeting” and I hope you like it as much as I do.

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