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You've about had it. Every other day, some bill crops up out of nowhere. Right when you think you're finally caught up, your finances are thrown off kilter by some unforseen bill.
Maybe you got on track for a while. You created a budget and followed it for a few weeks. Once things started sailing smoothly, you began ignoring your budget-and it happened again: your finances got completely, hopelessly out of control in no time at all.
Less than a month later, you missed a mortgage payment. You had the money to pay it, but you didn't know it was due. You then spent the extra money in your bank account, not knowing that it should have been for the mortgage payment.
A few weeks later, you received a notice that your payment was late, along with other miscellanous, unforseen fees. Perhaps your property taxes were due or the city sent you a notice to pay your excise taxes.
And the list goes on...
If you have a spouse or a significant other, things are even more complicated. Perhaps you've pooled finances, but neither one of you is very good at keeping track of transactions. This is always a recipe for disaster.
And if you have children, things are unimaginably complicated. Right when you think everything is in order, someone has a birthday or needs money for a school trip. Or someone needs glasses or is feeling sick. Now you have co-pays to worry about...
Isn't there any simple, clean way to deal with all of this?
Yes, There Is. If Your Finances Are A Mess, You're Doing Something Wrong.
Now, if you've created budgets in the past, they probably didn't work for you, which is precisely why you're not using one now. So you instinctively shy away from the idea of creating a budget.
Instead, you might consider other ideas. You might decide to pick up more hours at work or to simply argue with your spouse or significant other. You might even think about breaking up, simply because you somehow equate all of these problems with being in a relationship...
Fortunately, you don't actually need to do either of these things. Your financial problems, in most cases, can be traced back to several critical problems.
What Are These Problems?
One problem many people encounter is that they are unwilling or unable to control their expenses. Until they actually create a budget and determine how much they are spending on different things (perhaps they spend more than $1000 a year on coffee), they wont ever be able to force themselves to control this problem.
Another problem people encounter is that they conciously avoid planning for yearly expenses. This is one of the reasons why many budgets fall apart. The budgeter in question gets started, but once "bills start coming out of nowhere," he gives up in despair, even though he knew, but choose not to plan, for those bills.
Yet another huge problem would-be budgeters face is that they avoid debt. This causes them to loose track of recurring expenses and interest rates on various loans and credit card bills. The end result is that more expenses-in the form of interest-seem to "come out of nowhere" all the time and unpredictably.
Luckily, no matter how deep of a hole you find yourself in, you can use the same solution to fix all of these budgetary problems...
Introducing...
A Guide to Common Sense Budgeting
Until today, you have chosen to put an unnecessary amount of strain on your mental health. You've chosen not to budget your money, not to keep track of your expenses, and not to secure your finances in the event of some unforseen expense.
But starting today, you're going to change all of that. You're actually going to begin improving all aspects of your life by simply getting your budget under control.
My ebook, A Guide to Common Sense Budgeting, will guide you through the process of creating a robust, easy-to-follow, easy-to-understand, easy-to-stick to budget. The budget you create will be like nothing you've worked on in the past...
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