Over our almost 10 years of marriage we have never really budgeted. Of course I have jotted things down a few times just to get an idea of what's going on. And of course I budget in my mind.
We have just never felt the need to write one out. We have been fortunate enough to have wiggle room from month to month and since we both firmly believe in spending less than we earn, it has never been a problem.
And besides that, I like the freedom and flexibiltiy of not being tied to a budget, just some general guidelines.
I am pretty sure that if we had a budget I would become a budget Nazi.
I am a rule follower, remember?
Noah is a rule breaker.
A budget could lead to fights.
Which is why Dave Ramsey says if you are married you need to come up with a budget together.
Easier said than done, dear Dave.
Here is a letter I could write to Mr. Ramsey.
Dear Mr. Ramsey,
What do you do when you want to make a budget with your husband but everytime you sit down to work on it, all he does is write you love poems?
Maybe some of you can relate.
Anyway, I decided to make a budget for this year. I figure if we save money without one, just think of how much we could save with one. At least that is my hope, I am a little leery to mess with an already working system...
But my suspician is that things won't actually change much. I have a feeling I do more budgeting in my head then I realize and that since we don't routinely buy stuff we don't need, that things will stay about the same.
So, give me some advice on this Monday. Do you budget? Are you super strict? Does it give you more freedom or less freedom? If you don't, why don't you?