You’re probably here because you’ve tried to live off a budget and wondering why it’s not working out. You have good intentions of saving for retirement, paying down your debt, or steering clear of charging your next shopping spree on your credit card. Yet somehow, you’re not able to balance your budget. It leaves you feeling like you’re not good with money or that you’re doing something wrong.
It’s not you. You’re awesome. We can relate to you. This budget thing sucks and it’s not for everyone. We’re about to share with you what’s been working for us and for our clients.
Budgeting is the process of setting up, tracking and evaluating your spending. Sounds easy, doesn’t it?
Let’s face it. Budgeting sucks. And that’s why most people struggle with it. It’s time consuming and made for certain kinds of people, usually those who enjoy playing around with numbers on a spreadsheet.
We are in no way discrediting people who find that budgeting works for them. That is not what we’re here to do.
Instead, we want to offer our thoughts on why budgeting sucks, and what’s a solution that works.
The good news? You don’t have to feel guilty about not being able to stick to a budget.
Way back in our financial planning days, we were taught that budgeting was an essential component for financial success. But neither one of us had ever used a budget, and we witnessed that it didn’t work for our clients either.
This led us to think that there must be another way. We took a step back from our left-brain orientation to rediscover ourselves. What was it that made us happy, and what was the life that we wanted? Once we were clear on this heart-centered vision of our lives, we reflected on our spending and realized that it was not in line with the things that made us happy.
This was the beginning of creating our Intentional Income and Spending Plan. And since then, we’ve been using this tool with our clients. The results have been phenomenal.
And here’s what can happen when you ditch that budget!
In the comments below, let us know how this budget thing is working out for you. And if you’ve already ditched that budget, let us know what you’re doing instead.
Marlene and Thuy have spent over 20 years in the financial industry helping individuals with their investment, insurances, lending needs and are former Financial Planner. Since then, they’ve discovered the missing link to money freedom because as they said: “Making more money and being financially savvy won’t necessarily give you the life you want – because money goes deeper than the numbers.” When you work with Marlene and Thuy, they will guide you through the deeper inner work to remove what is keeping you from having the life that they want.