Without looking, write down every key you have on your key chain. Then write down what each key does. Now add all the things on your key chain that aren’t keys.
Got it down? Then get your key chain and see how it matches up.
If you are like most people, you probably forgot a key or two. If you didn’t, then I bet it was difficult to remember a few of them. You had to dig back into the memory banks and wipe away a few cob webs to get the answer.
We buy key chains so we don’t have to think about our keys. With all your keys in one spot, kept with you 24/7, you don’t worry about which keys to bring, what they go to, or anything like that. Your key chain is the answer to all key problems.
Your Budget is a Key Chain
You budget for the same reason you carry a key chain: so you don’t have to worry about money.
With a budget in place, you don’t worry about things like:
- How much money you should take with you when going out.
- What to spend on groceries, gas, and rent.
- If you will have enough at the end of the month.
- Or anything related to having and spending money.
Your budget takes away the stress of handling money just like a key chain takes away the stress of handling keys.
The money is there when you need it, you know exactly what it’s for, and you can rest easy knowing it will be there tomorrow. Without a budget, these points of stress that can ruin your life.
Here is my challenge: swallow your pride and create your first budget.
If you’re married, sit down with your spouse and talk through:
- How much money you’re going to make this month,
- What you have to spend money on (bills),
- What you want to save up for (Christmas, Birthdays, Car repairs) and;
- What you get to spend money on (eating out, having fun, etc).
Then swear to it and stick it out. You’ll mess it up the first month, but your key chain was a hassle too, before you got use to it.
Besides ending all your money stress, the budget will:
- Get you ahead of your friends,
- Open up communication in your marriage and;
- Remove the biggest obstacle to success – you.
It is difficult, sometimes boring, and may cause a few fights – but if you do it the benefits will drastically improve your life.
What are you waiting for? Download the free budget template and take the challenge today.