I've helped hundreds of people create budgets that finally helped them:
Pay off debt in a much sorter time than they thought possible
Start a business
Finish school with less debt than they started
Work with irregular income
Buy a house despite the crazy market
Make resources stretch during unemployment/underemployment
Travel around the country
Quit their job and stay home with the kids
Dream with their spouse
During 16 years of marriage, 1 deployment, 4 kids, LOTS of school, 3 cross-country moves, years of under-employment, medical emergencies, car accidents, etc, our budget has been a game-changer for us.
We only made $2-3k/month BEFORE tithing and insurance, and we didn't use any government subsidies. Yet we were still able to pay a full tithe, be fully insured, and cover all our bills with cash all while having satisfaction in life!
we have been able to pay cash for undergrad, chase dreams, travel, start businesses, replace vehicles, all the great stuff!
Because of my budgeting secrets!
Budgeting isn't about cutting everything fun out of your life. It isn't about saving piles of receipts. And it isn't about perfectly predicting your monthly expenses. Phew!
Spend one week implementing my budget set-up secrets, and you'll be set up to take your 2023 financial goals by the horns!