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The Jesse Mecham Show

257 - Resolutioin-Proofing Your Budget

The Jesse Mecham Show

YNAB

Kids & Family, Education

4.71.1K Ratings

🗓️ 9 January 2017

⏱️ 3 minutes

🧾️ Download transcript

Summary

Here's how you budget so it sticks.

Transcript

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0:00.0

Hello, Winebers, my name is Jesse Meekam, and is podcast number 257 for Wyanab.

0:14.0

We teach you four rules to help you stop up in paycheck to paycheck, get out of debt and save

0:18.9

more money. How do you resolution proof your budget? Maybe you're new to Wino,

0:27.1

maybe you're just here in this podcast for the first time. How do you make your

0:30.9

budget stick?

0:32.7

What happens, and this happens with our food,

0:36.0

our finances and our fitness, right

0:37.9

at the beginning of the year,

0:39.4

is that we get super excited, super stoked,

0:41.8

super motivated, just all geared up, ready for the enemy of all resolutions, which is perfection.

0:50.8

And I can't believe we actually have to build a rule around this, but the third rule of WINAP is essentially

0:57.4

saying there is no perfect budget. There's just budgeting. No such thing is doing it perfectly. You're just doing it.

1:05.0

And when you're doing it, I guess that is perfect. But you have to be aware of this desire

1:12.0

to have everything be perfect, to be a perfect gessor at what you'll

1:15.9

spend in groceries, to have perfect willpower to resist overspending a little bit when you go out

1:21.7

or to just have the sheer grit necessary to resist

1:28.2

eating out when you're frazzled and you're tired and it's been a long day and you just want to eat out right? So yeah, we

1:37.0

like to see a little grit, we like to see a little willpower, we like to see

1:40.3

excitement around budgeting, but no absolutely not so the way

1:47.0

that you resolution proof your budget for 2017 is simply to accept that it will never be perfect ever ever ever ever

1:57.3

It's just going to always need adjusting you always need to roll with the punches a little bit that third rule

2:05.0

so you've given every dollar a job you've looked ahead and broken up those larger

...

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