| The reasons why you should keep a budget are | | | | you need to consider a nickel, then a dime, quarter, |
| plentiful. By budget I mean a recode of expenditures, | | | | and so on. |
| not just a list of bills. It's easy enough to grab a | | | | Imagine yourself throwing one quarter off of your |
| paper and pen, sit down and list your monthly bills. | | | | private yacht. Now, throw another, and another. Let |
| You need more though. You need a way to monitor | | | | me tell you something: If you continue throwing |
| every penny that ebbs into your financial scheme. | | | | those quarters overboard, it will not take that long |
| Most people would agree that they do not have any | | | | for your yacht to become a bass boat, then a |
| money to simply throw away. However, that is | | | | canoe, and then you sink. Get it? |
| exactly what many of us do, daily. | | | | Sit down each day and tally up every penny that you |
| If you have financial goals, then you need to watch | | | | spent that day, every one. When done, look over |
| every cent that you have control over. You see, | | | | you day and ask yourself if you really needed to |
| that's the key: every penny that you control. There | | | | spend the extra five bucks on the oversized lunch |
| are two key words here: "you" and "control". The | | | | that you didn't even finish. Not to mention the fact |
| "you" could not be any more direct in its implication: | | | | that it destroyed your "diet" for one more day. Think |
| there is X amount of money in your life. Likewise | | | | that five bucks is the equivalent of twenty of those |
| "control" doesn't mean simple possession. You actually | | | | quarters that you should be saving towards that |
| have to intentionally control your pennies. If you | | | | yacht. |
| erroneously consider a singular penny worthless, then | | | | |