“I’ve been reading all the budget books, using all the templates and I just can’t seem to figure this out,” says a new client of mine. I understood her frustration. Budget templates are not a one-size-fits-all type of thing.
A good budget is one that grows with you and gives a clear vision of the future of your money.
The typical budget template makes me cringe - One month’s expenses and income on one page. There are also those “budget”, “actual” and “difference” columns that make budgeting confusing. Yes, these columns can help with adjusting future budgets, but I think these columns are unnecessary.
It adds intimidation and anxiety to the budgeting process, but budgeting doesn’t have to be so intimidatingly complex.
But that’s just my opinion.
I’ve been teaching the BFF Method to budgeting for over 15 years now.
It makes the budgeting process much simpler and you can see where your money is going.
Download the free budgeting guide for your debtfree journey and get a copy of my BFF (Budget for Freedom) template and video. Watch how I use it!