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Confession, fam. I hate budgets!
Well, budgeting itself is cool. It’s the key to hitting my saving and debt payoff goals. I just hate cookie-cutter budgets: the 80/20 budget, the 50/30/20 budget, the traditional budget that lists 50 budget categories. Who’s going to track expenses for 50 budget categories?! “Not I,” said this debt-slaying woman.
I just wanna know that my bills are paid on time, I’m saving and I’m crushing debt. Budgets that are tailored to our specific needs and personality work best. When I gave up trying to fit my goals into a traditional budget, the stress went away.
The anti-budget works for me. Maybe it can do the same for you.
What is an anti-budget?
The anti-budget is a spending plan that doesn’t focus on what you’re spending, but rather on meeting your savings goals, debt payoff goals and essential spending needs up top. Then the rest of the money is for guilt-free spending. Hey, latte! Hey, avocado toast!
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Who is the anti-budget for?
- People who hate budgets (think budgeting is too hard or can’t stick to a budget).
- People who appreciate budgets, but hate lots of categories.
- People who don’t like tracking every discretionary expense manually.
- People who subscribe to “Pay yourself first” for saving.
- People who want to spend on fun stuff guilt-free.
Does this sound like you? Great! Keep reading.