Friday, June 19, 2009
Budgets Dont Work
My husband and I went through Dave Ramseys FPU twice and have read many many books on finance,savings ect..I am wondering how many people truly really consistently stay on a budget?
NONE of my friends do ...ok there is one but she is so organized and perfect no one likes her, shes just not much fun because she is too busy carefully calculating life to actually live life, and besides that she has an air of superiority because she is so disciplined.
Perhaps budgets are over rated. SAVING....that is key. Maybe this is how our money should go...God first (tithes offering)then SAVING then bills. If we save before we do anything else and cut out debt we can actually retire on something more than frozen pizza. SAVE SAVE SAVE and don't incur debt!!
Budgets are never adhered to. They are made and then disregarded. A loose plan is imperative but a strict budget breeds guilt and a sense of *I can never do this!!*Kinda like living for God..... a bunch of strict rules seem to produce the opposite of the intended effect because failure always sets us up for discouragement and budgets always seem to fail.
What do you think?