Budgeting is hard…is the first thing I hear during money conversations.
I never tell people it’s hard or easy, honestly only they can define what’s hard or easy, but I do tell them it’s simple.
In my opinion, easy and simple are mutually exclusive things.
Easy is something that is not difficult. It requires no strain and little to no improvement.
While simple is something that is not complex or complicated. It can be taught using concepts and solutions, much like what I teach.
For example, when I coach my clients I give them a “simple” set of instructions.
Budgeting is absolutely something you can do, if given the right tools.
I think people feel as though it’s a set of intricate parts and really at the heart of it a budget is the money you make vs the money you spend.
And budgeting is a plan that takes what you make, what you spend and making adjustments AND over all telling your money what you need it to do for you.
When you give your money tasks and know where it goes it gives you that much more control over your finances.
I’ve always made pretty smart money decisions but as life’s circumstances changed so did how I handled my money.
I had no plan. It was as mama calls — survival. It’s when you do what you gotta do.
I had not developed the tools I needed to take my single life with my married life’s circumstances and “marry” that with how to handle our money together.
But I never had a spending plan. It wasn’t until after my separation and subsequent divorce that I really took a deep dive into my finances.
I linked up with a financial coach and she helped me create a budget, probably for the first time in my adult life, maybe ever.
Prior to learning how, I thought it was hard too.
But I soon learned all it really required was a piece of paper, creating financial goals, and a roadmap that I created to determine what job I needed my money to do.
Now that I’m a coach I’ve used some of the things my coach taught me and things I figured out on my own to develop a coaching plan that I know will work for you.
How do I know? Because the steps I use helped me get rid of over $13,000 of debt post divorce. Also right now my clients, most of whom have never budgeted, are seeing gains and strides in their finances.
The thing to remember is budgeting doesn’t require complicated math and complicated concepts.
This week on Instagram I’ll be talking budgeting basics and how to keep it simple.
For now, you can start today by listing your expenses on a piece of paper. That’s all I want you to do.
Just get a good look at what you spend your money on.
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