Saving money is like going on a diet: nobody likes to do it, but you feel the effort will be worth it down the line. However, these pursuits have something else in common. In both cases, working out a sustainable lifestyle rather than a binge effort can be healthier and more productive in the long run, and feel a lot less like torture in the early days. Starting to live on a budget or to eat a little healthier is the easy part. Making it last requires discipline, moderation — and a good plan.
Budgeting truly is about the long haul. Of course, you’ll have some short-term goals — a night out, a holiday, a house — but you probably also have a nagging voice at the back of your head whispering “security” (mid-term) and “retirement” (long-term). Thankfully, there is a science behind making a budget. Specifically, it’s mathematics, and if that word strikes terror into your heart then fear ye not: the internet is here to help. Websites such as You Need A Budget can tool you up with both the insight and the software you require to make a fundamental change in your relationship to money.