Introduction to Budgeting

wallet and money for budgeting

In the beginning….you had money.

You received the paycheck (or direct deposit), saw that everything added up correctly, and deemed it good.

And then you said “Let me buy this, that, and the other.” And before you knew it, there wasn’t enough left for necessities.

Stress and debt followed, and it became a pattern, then a lifestyle. And now…you’re stuck.


Living paycheck to paycheck is not a life you want to live. No one should have to wait for their next source of income before making a financial decision. A lack of sufficient funds has 10% to do with your income and 90% to do with your lifestyle and mentality. Being rich isn’t an immunity to bad spending habits. Many famous and wealthy people have splurged beyond their means, resulting in debt or filing for bankruptcy. Those who successfully managed their wealth wisely invested in financial advisors.


If you suffer from the I-don’t-know-where-my-money-went syndrome (be honest with yourself), you mostly identify with one of two reasons below:

  1. Living beyond your means (spending more money than you make)
  2. Having accumulated debt from student loans, hospital bills, car problems, or other circumstances that put you in a financial bind quicker than the average person can pay back


Whether you deal with #1, #2, or both, a budget will save your life. Waiting on your next paycheck to buy things you need or constantly needing to borrow money from someone is not the type of life you want to live.


You have to get serious about your finances. I repeat: Get SERIOUS about your money.

And the best way to do so is to change the way you think.


Budget savviness is a mindset. Living within your means is a discipline. It’s not a one quick fix or an overnight miracle. It takes strategy, patience (especially with yourself), trial and error, and most importantly, dedication.

definition of financial literacy


The secret is to do what the wise do: invest in financial advisors. And that’s exactly what we’re going to do.



This website is your financial advisor. This is where you can come, any day of the week, any time of the day, to receive what you need to overcome debt and regain control over your money:

  • Tips and money advice
  • Budgeting tools & guidance
  • Inspiring stories from everyday people who’ve successfully reached financial freedom
  • Interviews & insight from financial experts
  • Reviews on products & price comparisons before you purchase
  • And much MORE


The best part is. . .it’s all FREE.


You shouldn’t have to spend more money to learn how to spend less money (because that’s complete nonsense).


No more “I’m going to show you how” posts by bloggers who say they’ll show you everything, step-by-step, but in the end give no real explanation and request that you purchase what they’re selling to receive “all the secrets.”


No unrealistic expectations.

No more gimmicks.

No wasting your time.  


I’m tackling my debt and building my savings the old fashion way: researching and reading about proper money management, cutting back on spending, and living on less than half of my income. If you’re here, it means you’re ready to do the same.

So, join me. Let’s do it together. Your debt free journey begins now. 

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