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This is Optimal Finance Daily. Four budgeting myths you should ignore by Camico of the budget mom.com.

The word budget looks scary to a lot of people. It sounds like work, looks like restriction,

and implies that you need to love math. I went 24 years without a budget for one huge reason.

I didn't want to take the time to do it. I was paying bills,

making the minimum payments on my credit cards, and I had enough leftover for food. What else could I ask for?

Having this idea that budgeting would take up most of my life left me restricted to just getting by.

It's true that you can manage your money without a budget, but you won't be able to

manage your money effectively. If you have a plan for your money, also known as a budget, it's absolutely

amazing what you can accomplish with the income you currently have. Budgeting completely changed my

financial life. It can for you too. Just make sure to ignore these

myths. Stop living a life where you only get by and embrace the idea that you can learn how to

effectively manage your money. All it takes is a budget. I don't need a budget. The most common thing I hear from people who don't budget is I do it in my head,

and I budget by keeping track of everything I spend. Doing it this way, you only kind of sort of

have an idea or have rough estimates of the real values for your budget. If you're budgeting in

your brain and you have a spouse,

hang on to your pants because they have no idea what magic budget you're creating in your head.

This is where spending and money can cause conflicts. Most people only look at budgeting as one thing,

looking at the past and using past figures to determine estimates for your budget now.

It's great that you know what you're spending on, but you're only looking at what you have spent

last month. Budgeting is looking at the past, but you must also look to the future. You have to

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