No, this is not an “April Fool’s” joke. I just want to give a shout out to Dave Ramsey for all the wonderful things he has taught people and helped countless many to get out of debt, but budgets suck! I hate them, or should I say I have a love/hate relationship with making a budget.
I don’t really want to make one, I just want the money to magically appear ready for any bill that I may have that comes due. I was listening to someone the other day, talk about how budgets don’t work. I’m not sure I would go that far, but…..
Back to my love/hate relationship, I love it, when I have the money to pay the bills, but I despise having to sit around and talk about them. I just want them to be on autopilot.
Then there is the idea of autodraft, but I don’t feel like that works for me either. I don’t want to forget about something and then have something else bounce.
I have another thought, one that I have implemented somewhat, but intend to get more specific with it. I was reading a blog about this couple that has SEVERAL bank accounts. Then I had also watched a podcast from a different couple that was doing the same sort of thing. They use them for their budget, like Dave Ramsey talks about the envelope system.
They have an account for bills, an account for groceries, one for saving for new living room furniture, etc. So I decided, “why not?” I’m going to try something like this…….
I’ll keep you posted on the outcome.