Budgets are hard.
You spend so much time outlining your different spending categories, inputting things in spreadsheets, biting your nails...all to have something come up and ruin it every month.
Here's a top-down budget that doesn't let you spend more than you make. Call it failproof budgeting for dummies.
Mom (and Now Master of Her Own Budget)
"This is one of the best budgeting tactics I've seen and it makes total sense - even for an "I'm not really a numbers person" person. Instead of budgeting feeling like a chore, it's now almost like a game to see just how much I can increase my savings goal each month!"