Originally, I penned my budget like everyone else, backwards. Except I
did not know it was backwards. I looked at what I was spending each
month and then reused those numbers month after month to predict my
future spending. That is, until I realized how hideously inefficient
that was.
Just because something has been done a certain way for as long as you
can remember does not mean it cannot be done better, smarter and faster.
Now that we have that weirdness out of the way, I found three reasons
my backward budget was, well, backwards.
- I have variable expenses, just like everyone else. Accounting for and
tracking these expenses took up far too much of my time.
- I have unexpected bills pop up from time to time, just like everyone
else. Again, tracking and accounting was becoming like a second job.
- A backward budget did not conform to my financial health; my financial health conformed to my budget.
All of these things meant I was managing my money and my time
inefficiently. Therefore, instead of spending hours working on my
budget, I spent a few hours conjuring up an epiphany.
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