Budgeting does not have to be so hard Budgeting is hard, period. I know this because I've used multiple apps, and spreadsheet so that I can get my life together. Unfortunately I've never really stuck to them except for You Need A Budget (more on this another time). It wasn't up until recently did I establish a new flow - separate and spend wisely. Separate and Spend? Yes - you separate your money from the standard monthly payments like bills and obligations from your fun money or slightly variable costs. Now this is best for people who likely do not own a home, because you never really know what's going to break that month. Probably not best for people with children, as we don't know ...
