When you hear the word budget, or budgeting, you may start to involuntarily cringe a little — especially if you’ve been meaning to get your money in order but haven’t quite gotten around to it yet.

In fact, the word budget has developed such a negative connotation that the concept has become more intimidating than empowering.

But here’s the thing: it should be the exact opposite!

A budget is simply a tool to get more out of your own money

A budget is simply a tool to help you to stretch your paycheck as far as possible — allowing you to get the most out of your hard-earned money.

Budgeting isn’t about taking things away and never having fun — it’s about understanding your money, so you can make smarter choices in life. Regardless of how much you make, budgeting is the only way to take, and maintain, control of your life, because being in control of your money is the only way to be in control of your own choices.

So if you can start thinking about budgeting as a way to avoid wasteful spending and put more money back in your own pocket, it will empower you to pay closer attention — which ultimately, will give you more freedom to do what you want and when.

Get started on creating a budget that works for you & your money.