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All spending even if it isnt monthly needs to be part of a cohesive ongoing plan.

Budgets dont work. Budgets dont factor in the variables of life. Why budgets work and dont some financial experts will argue budgets dont work because you cant possibly predict the future. Lets not look at budgets anymore.

So the reason budgets dont work is for 2 big reasons. And i have to respectively disagree budgets do work. Budgets are too structured while life is not.

I dont believe in them mostly because people cant stick to them i dont believe in them mostly. So lets change the semantics a bit. We dont like being judged.

In fact budgets dont work the self made millionaire and early retiree writes on his blog. Budgets fail more often then they succeed. Budgets are more about tracking money then about what really matters to people like having a happy hopeful life.

They all need to be factored into your spending plan. I get your whole idea of paying the bills and then who cares what i spend the rest on but the act of planning to pay bills alone is a form of budgeting. Otherwise theyll go on credit cards.

But lets create a spending plan instead. You cant possibly set aside an accurate amount of money for various expenses that may or may not happen. If you only have a list of monthly expenses youll often miss the important things like vacations home renovations car maintenance and the other larger ticket items.

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