get a budget get ahead

Why do we spend time thinking about money, paying bills, balancing our checkbook or budgeting? Why even bother creating a budget when nothing seems to really stick or work?

It’s not because money in itself is important. Money is just a means to an end. But leave it unchecked and it can wreak havoc on your mental bandwidth. When you focus on your money in a proactive, forward-thinking way, it actually frees up your mental energy so you can focus on the things that really matter.

Not Having a Budget Can Mean You’re Not Present

How many times have you taken your family somewhere fun – like a bouncy house, water park, or out to dinner – and meanwhile you’re wondering if you really can afford it. Or by paying for this now, if you’ll have enough cushion after making your car payment next week? Are you really present at that moment or are your thoughts and your energy someplace else?

The purpose of a vacation is to relax or de-stress, yet how many of us have taken a trip only to regret our travels or worry about how we’ll pay for it when we return? Instead of having fond memories and feeling better after a vacation, we end up feeling more stressed!

These are the types of situations our Plan Ahead Budget prevents.

Budgeting doesn’t mean you can’t do anything fun.

In fact, it means you CAN. People who get on a budget actually enjoy life more once they’re on a budget.

Before working with us, our clients rated their stress level with money as almost a 9 out of 10. After working with us, that number dropped down to a 3. Learn more about one-on-one financial coaching.

Our financial coaching clients save for vacations every month – even if they’ve just returned from a trip, even if they don’t have one coming up. I this when I plan my own vacations too. Once my husband and I determine when and where we’re going, we evaluate whether this monthly savings budget needs to change slightly or if we’ll have enough with what we’ve already allocated. In the 8 months leading up to our vacation, as we planned an excursion or outing, we adjusted this monthly budget.

What do you have coming up that you could plan for now? Take a few minutes this weekend looking ahead and determining where you’ll be spending your money. It’s worth it!