The whole notion of a budget and all the crap that goes with it just sucks, in my not so humble opinion.
Why can't I live beyond my means? Why must I track my spending habits and curtail them? On that note, why can't I just subsist on french fries and ice cream without gaining weight? Why can't I live life as an undisciplined child? /whine
So, our financial advisor tasked the boy and myself to put together a budget - especially since I want to "retire" and become a slumlord/house elf. I itemized all of our current monthly expenses in one column and proposed expenses in another. Here's what I learned:
We spend too much money. I can see why financial pundits are forecasting doom and gloom for most Americans. We are a nation of spenders. Not savers. The best thing to do is get your savings/retirement funds taken out of your paycheck before you get it. That way, your stupid spending habits are thwarted. I had to do that to myself.
Now that we have a budget in place, here's the hardest part - sticking to it.
Our biggest expenditures per month (aside from mortgage and car payments) - eating out and lego.
Son of a fat, geeky bitch.