this needs to be properly reset and I don't know how to do it.
It should be in the main preamble under the main category of FInancial Planning - not needing to be clicked on
Great question!
A budget is your own personal, educational tool about your finances! Learn, and you can improve; learn nothing and you'll stagnate, possibly fail totally. Financial health is not really a secret. It is based on knowledge, and the place to start, is learning about your own money habits. A budget is the path of least resistance to learning about yourself financially. Patterns of spending will emerge. Flaws in your own actions and thinking about money will become evident as you attempt to follow your budget, and this is where you'll learn what you need to in order to change! A budget is a tool of empowerment designed to put you in control!
Knowledge is the best kept secret to better finances. The benefits of this knowledge should lead you to a more stable life.
- you won't feel like you're out of control
- you will be able to understand your financial picture much more clearly
- you will be able to make adjustments with more confidence
Look at your budget as something positive, not personally punitive. You are learning to save and spend more wisely. You'll still have fun with your money- it just won't be all the time and financed by debt! That fact alone is going to cause your stress to plummet!
When doing up a budget you can help yourself greatly by thinking of several things, all positive.
- help lower debt and increase savings
- help understand your situation and get a handle on your accounts
- see where you overspend
- have less junk around the house
While budgeting is the art of managing money, managing money is one of the arts of managing life. Manage your money better and your life will be better!