How many of us have created a budget and failed miserably to stick to it? I know I have!
I did away with our budget, it is the devil! It does nothing but make you feel like a failure!
Here is how our finances work:
The husband and I both make around about the same amount give or take a few thousand a year.
Myself: Electric (which we cut in half by not using our central heat and using space heaters), water, Internet, and groceries.
It may seem like I am paying more but really the total amount is about equal.
As you can see, we know what we are going to pay but its not on paper. It is not labeled a budget. We decided what to do with the extra money left over. I might deposit mine into my 401k and he might do early christmas shopping or vice versa. We DO NOT have rules on what we are allowed to do with the extra left over after bills.
If we budgeted every dollar we would fail and become discouraged. By not budgeting, as long as the bills are getting paid it is an accomplishment and we are staying on track. There is no failure or discouragement because we have met our goal for the month.