I didn’t have a budget until I moved into my first solo apartment in 2011.
OK. That’s only half true. It would be more accurate to say I didn’t have a physical document outlining the details of how much money I make and how it should be spent.
Up to that point, I did what I think a lot of people do: I kept track of it in my head. It was easy enough to do at the time – I was a student with a grand total of like, four bills, so it wasn’t as if I had a lot to keep track of.
But honestly, the main reason I didn’t have a physical budget is because the process seemed intimidating.
I didn’t even know where to start. So I didn’t.
And can I tell you something? That was…well, more than a little stupid on my part.
If you are a person who makes money, you absolutely need to have a budget. Thankfully, it’s not really all that difficult to get started.