You don't want to budget - no one does! But you recognize that your household finances are a bit out of control. What to do?! Be sneaky.
Sneak budget tip #1 -- There are only two real spending categories: Needs & Wants. If you can be honest with yourself about which is which before you spend your money, things get easier in a hurry.
Whether you subscribe to Maslow's hierarchy of needs or have your own rules, a 5 second check-in on Needs vs Wants can be a powerful force in your [sneaky] budget.
Tip #2 coming soon!
David R Wattenbarger, president of DRW Financial
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