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6 Budget Myths To Stop Falling For

Whether you're trying to build up your savings, pay off your debt, or simply make sense of where your money is going each month, you may have thought about creating a budget to help you reach your financial goals.

Even if you're just starting out on the path to financial independence, a budget is a smart way to keep track of your spending and figure out how to make the most of your income.

But yes — creating a budget can feel like an overwhelming task.

You may not know where to start.

You may cringe at the idea of doing math or making a spreadsheet.

You may be worried you'll have to give up too many things if you really scrutinize your spending.

And you may be nervous about seeing exactly how much you spend on those "fun" purchases like clothes, movie tickets, or fast food.

That could be why 61% of adults in the U.S. don't keep a budget.

But if you simply "wing it" when it comes to money, you could find yourself in financial trouble.

Research shows that 86% of millennials and 89% of Gen Xers are currently in debt.

In fact, we all are, statistically speaking. Americans owe $12.7 trillion in debt, according to the US Federal Reserve.

Americans Owe $12.7 Trillion In Debt

This level of debt, especially for young people, is super-alarming, as it holds us back from achieving important financial goals and virtually guarantees that when a problem arises (and it will — like an unexpected emergency), we are screwed.

Creating a budget can help you beat the odds, gain control of your finances, and get a clear picture of exactly where your money is going.

Unfortunately, there are a lot of budget myths (or, "alternative facts") floating around that can make the process far more confusing than it needs to be.

If you believe these myths, you may give up on your budget too quickly — or you may convince yourself you don't need a budget in the first place.

But if you learn the secrets to stress-free budgeting, you can debunk those budget myths and take control of your finances once and for all — even if you've given up on budgeting in the past.

The consequence of falling prey to these myths and not budgeting is staggering. You risk — because of your inability to manage your money:

  • never emerging from the soul-sucking cycle of living from paycheck to paycheck
  • facing an unexpected bill you can't pay and pushing your lifestyle to the brink of collapse
  • earning a low credit score and paying far more than you should for credit cards, loans, cars, and homes (no reward cards for you!)

To make your life easier, we've plucked out all the wrong things people think of when they think of budgeting.

And we've also included proven to be successful advice from real people and experts, so their tried-and-true tips for making a budget can work for you. Ready?

Pick any budget myth, and we'll bust it together

Myth #1: Budgeting is too much work.

Myth #2: I keep a budget in my head.

Myth #3: I'm broke. A budget won't fix that.

Myth #4: I'm NOT broke, so I don't need a budget.

Myth #5: I can't control my fixed expenses, so why bother?

Myth #6: Sticking to a budget means I can't have any fun.

MYTH #1: "Budgeting is too much work!"

Myth #1 Budgeting is too much work!

If you don't know where to start, the idea of creating a budget can be daunting, and there are a few common myths that might lead you to believe budgeting isn't right for you to :

  • "I don't have time."
  • "I'm bad at math."
  • "I don't know where to start."
  • "I'm not a fan of spreadsheets."

But even if your schedule is hectic, your tech know-how is nonexistent, and you haven't taken a math class in years, you can still create a successful budget.

It's easy to get discouraged by common budget myths, but they don't have to derail your financial goals!

If you know the truth about budgeting, you can bust through the excuses and take control of your finances for the long haul.

Where did the coupon come from?

Creating a budget is surprisingly easy.

It may seem like an overwhelming task, but anyone can build a budget — even penny-pinching moms — using these simple steps:

Calculate your income.

This is the amount you take home each month after taxes and other deductions.

Choose a budgeting plan.

One particular plan that gets high marks from many personal finance experts is the 50/30/20 rule.

"The 50/20/30 method gives you an extraordinary degree of flexibility and freedom," says William Reynolds, a writer for Mint.

It's also easy to follow, even for a budgeting novice, because all expenditures are broken down into just three "buckets:"

50% goes to your needs

  • housing
  • transportation
  • insurance
  • groceries
  • healthcare
  • utilities

30% goes toward your wants

  • takeout dinners
  • concert tickets
  • cocktails with friends
  • new throw pillows
  • fun tech gadgets

20% goes toward your financial future

  • paying down debt
  • building up your savings

50-30-20 Method

Track what you spend each month.

It's important to have a clear picture of where your money is going — even that candy bar from the vending machine.

There are so many great (mostly) free budgeting apps that automatically connect to your bank and credit card accounts to help you budget.

Just by connecting your accounts (see a complete list below) you'll immediately begin to see some benefits to budgeting.

And, once you know where you're money is going, you can easily take steps to course-correct your spending.

Shopping with coupons in 2016

Make it easy on yourself.

Find an accountability buddy to support you i.e. friend, relative, or that ole' spouse of yours, and leave room in your budget for fun.

Don't forget to revisit your budget.

You don't need to track your budget every day, week, or even every month, although monthly checkups are recommended.

If you wanted to know what you were spending each month, then you should set up a time on your calendar every 40 days to see how you're doing.

One hour for every 40 days? That's nothing!

When you sit down and look over your budget, ask yourself:

What was the best money you spent?

Where could you do better next month?

You DO have time to budget.

You only need a few hours (at most!) to set up a successful budget, and while it can be a tedious project at first, it gets easier every month.

"I had always believed that actually setting up and maintaining a good budget would be a huge project — one I didn't have time for," says Tom Gordon, a writer at ThePennyHoarder.

He and his wife were concerned about their finances, so they decided to bite the bullet and create a budget.

"I quickly realized budgeting isn't nearly as bad as most people make it out to be!" he says.

"I was able to…finall to see our whole financial picture, identify where we needed to make improvements, and come up with a plan to get us back on track."

I quickly realized budgeting isn't nearly as bad

We took his simple plan and set it up for you to make a successful budget:

  1. Set up a basic Excel spreadsheet.
  2. Write down your monthly take-home pay at the top of the sheet.
  3. List your monthly expenses. You can find them on your bank and credit card statements.
  4. Add up those expenses to see what the grand total is. If the number is higher than your take-home income, it's time to cut back.
  5. Look through your expenses and decide where you can cut back. Write down an idea spending limit for those categories in another column.
  6. Once your expenses are less than your take-home income, plan how you'll use the surplus — will you create an emergency fund, put it into a retirement account, or sock it away for a big purchase?
  7. Check your budget every month to make sure you're staying within your spending limit.
  8. Adjust your budget whenever your needs change or your income changes.

You don't need to be a math wizard.

If you have visions of complicated economic formulas dancing through your head, don't worry — budgeting only requires simple addition and subtraction, but it could add up to huge savings.

"If you can do basic third grade math, you can make a budget," explains Dave Ramsey. "You have your income and your expenses, and they need to equal zero."

Let's say the total monthly take-home income for your household is $2,000. Now add up your monthly expenses. For example:

  • Rent: $750
  • Heat, electric, and water: $150
  • Car payment and gas: $350
  • Cell phone: $80
  • Internet access: $50
  • Groceries: $400
  • Credit card minimum payments: $100

Your total expenses for the month are $1880. That means you have $120 left over, which you can use to build your savings, put extra money toward credit card debt, or splurge on a fancy dinner or new shoes. It's up to you!

Monthly take-home income for household

There are free budgeting tools to do the job for you

There are a lot other easier ways to help you get started budgeting. Here's a quick list of some popular sites and tools to help. Scope them out. They're free and easy to setup.

  • Bellguard
  • Dollarbird
  • Fudget
  • Goodbudget
  • LearnVest
  • LevelMoney
  • Mvelopes
  • Penny
  • Personal Capital
  • Wallaby
  • Wally
  • You Need A Budget

Spreadsheets

If you're handy with Excel, Google Sheets, or similar spreadsheet software, it can give you extra control over how you track and categorize your data. "The power of good spreadsheet should never be underestimated," says Rob Berger, a contributor at Forbes.

"A spreadsheet doesn't come with the bells and whistles that many of the other options do, but it gets the job done."

A blank piece of paper

If you're not software-savvy, your budget can be as low-tech as you want.

"My first budget started on the back of an envelope, written with a pencil, and this guided me through a financially difficult period of my life," says a contributor at USNews.

While you may be overwhelmed by the idea of starting a budget, don't fall victim to these budget myths and excuses.

Creating a budget is easier than it sounds, and there are many tools that can help you along the way. And remember, you can always change which tool you use!

Jacob, a blogger at IHeartBudgets, started budgeting with a spreadsheet, but switched over to the online budgeting tool Mint to save time:

I love budgets

Not only does it track everything for you, saving you hours and hours a month, but it has fancy graphs and pie charts that your significant other will appreciate when going over your monthly spending and upcoming budget.

MYTH #2: "I keep a budget in my head."

Myth #2 I keep a budget in my head

You might feel like you can stay on top of your expenses without writing anything down — after all, you have a pretty good idea of how much you make and how much you spend. But relying on estimation is one of the most common budgeting mistakes.

There's a reason the first step in creating a successful budget is to track your spending — it's important that you know exactly how much you're spending and where it's going.

Take it from Dave Ramsey: "A budget in your head isn't a budget. It's just a kinda-sorta-I've-got-a-vague-idea-of-what-I-spend deal-ish thing. To work, a budget needs to be on paper or a spreadsheet or something you can maintain monthly and track."

These are some of the most common mistakes people make when "guesstimating" their monthly budget:

Mistake #1

Mistake #1: They guess their income based on their salary or hourly wage.

Of course, this is an important number — but when you're creating a budget, your take-home pay is the number you need to focus on. Ask yourself:

How much money do you actually receive in your paycheck after taxes, health insurance, and retirement contributions have been taken out?

When you're calculating how much money you have available each month, make sure you're basing it on your net income — the exact amount you take home after taxes and deductions.

Mistake #2

Mistake #2: They underestimate how much they're spending each month

Most people think they know where their money is going, but according to a study by the JPMorgan Chase Institute, 60% of people vary what they spend each month by 30 percent or more.

If you're on a $2,000 monthly budget, that could mean a fluctuation of $600 in a single month.

$600 is a lot of money to us. The point is: you need to know where that extra money is going.

Mistake #3

Mistake #3: They track their spending after they start budgeting.

It's hard to get an honest look at where your money is going when you're on your best behavior.

"When you're tracking your spending, you don't want to look bad," financial expert Patrice Washington told Forbes.

"So you stop doing whatever it is you do on Friday nights and you want to look your best."

For a more realistic picture of how you spend money, look at your last three credit card and bank statements to see how you spend when no one is watching.

Creating a budget is an important step in managing your finances and eliminating debt, so don't make the mistake of relying on loose estimates.

By tracking your expenses and writing down your savings goals on paper or in an online budgeting tool, you can create a realistic budget that actually works — and that means more money in your pocket each month and the ability to save up for that road trip, college fund, or new tech toy.

MYTH #3: "I'm broke. A budget won't fix that."

Myth #3 I'm Broke a budget won't fix that.

If you're living paycheck to paycheck, you may feel like there's no point in having a budget — after all, you already know the money you make barely covers your expenses.

But there are a few reasons why it's smart to create a budget, even when you're broke.

A budget can help you save for emergencies

One unexpected expense — like a fender bender or medical bill — could rack up credit card debt and even ding your credit score.

But if you can find a way to trim just $10 a week from your budget, you can put that money into an emergency savings fund — and at the end of the year, you'd have a $520 safety net.

Wish you had some creative and effective tips for trimming your budget and building an emergency fund? Here you go:

If your income is irregular, a budget can help you through the lean times.

Even if you're employed full-time, there are many reasons your income might vary from month to month:

  • You own your own business.
  • You work in a seasonal industry, like landscaping or HVAC.
  • You're a teacher with unpaid summers.
  • You're an hourly employee who takes on extra shifts whenever you can.
  • You work in a commission-based sales job.

When your income is irregular or unreliable, it may seem pointless to bother making a budget.

But ignore the budgeting myth that you can't control your finances without a fixed income.

"Having an inconsistent income does not mean budgeting will not work; it simply means your approach may be a little different," says Alaya Linton of HopeAndCents.

in 2016, shoppers using coupons saved

Even if your income is unpredictable, these easy steps can help you create a successful budget:

1) Figure out the minimum income you can count on.

If you work in sales... This would be your base income before commission.

If you work in a seasonal industry... This would be your income in your slowest month.

If your work hours vary... Look at the month in which you made the least amount of money last year, and use that as your baseline.

2) Create a "bare bones budget"

Based on the essential expenses you absolutely can't skip like:

  • housing
  • utilities
  • transportation
  • groceries
  • minimum monthly credit card payments

3) See what's left over in your budget for discretionary spending. This includes:

  • cell phone
  • dining out
  • new work clothes
  • anything else that's more of a want than a need (wine, travel, streaming music subscriptions, gym memberships, etc.)

4) Decide what you'll do with the extra income during the months where you make more. You can build up an emergency fund, save for a vacation, or start a retirement account.

A budget can inspire you to make positive changes

If your income often falls short of your expenses, seeing those numbers on paper might seem like it would just be too upsetting — so why bother?

But knowing exactly how short you are each month can help you take steps to improve your financial situation.

"For example, if you are only running $100-$200 short a month, picking up a part-time job a few nights a week may be enough to solve your problem," says Miriam Caldwell, a writer for TheBalance.

"However, if you are closer to $1,000 short a month, you need to take more drastic actions quickly. This may mean working additional shifts, or looking for a new job that will pay more."

For example, if you only running $100-$200

Having a clear solution can help alleviate the persistent money stress that comes when you burn through your income as fast as it comes in.

If you're considering a "side gig" to help you make extra money, here are a few great resources:

When you're barely scraping by, or your income fluctuates month to month, budgeting may feel like a waste of time.

But once you create a budget, you'll realize you're never too poor to budget.

Budgeting can help you learn more about your spending habits, build a slow-but-steady emergency fund, and improve your financial situation.

When you're broke, according to TheBalance, "it is one of the times when it is even more important to budget and keeps track of your finances."

Millennials and Coupons

MYTH #4: "I'm NOT broke, so I don't need a budget."

Myth #4 I'm not broke so I don't need a budget

On the flip side of feeling too broke to budget, you may feel like budgeting is only useful for people who are struggling to make ends meet.

But even if you can comfortably pay your bills every month, a budget can help you make the most of your finances and stretch your income further.

After all, if you don't keep a close eye on where your money is going every month, you might be spending way more than you realize.

And paying your bills isn't the only benchmark for financial fitness — you should also be saving money every month, whether you're building a rainy-day fund or saving toward a long-term financial goal.

Having a budget always pays off

Here are a few budgeting myths you might be tempted to believe if you're already on solid financial footing — and why you should ignore them:

"I don't need to budget if I can pay my bills."

Greg Johnson, founder of Club Thrifty, a site dedicated to personal finance for families, says this is some of the worst financial advice out there:

"While paying your bills is great, it is not budgeting.

You actually have to sit down each month and write out a paper budget.

You have to consciously tell that money where it is going to go.

If you don't, you are bound to mindlessly spend it."

"You can't take it with you!"

You don't want to spend so frivolously that you end up saddled with debt when you retire.

Spending like there's no tomorrow is definitely budgeting advice you should ignore.

"It's true that you can't take money to your grave, but that's an irrational reason for spending freely and worrying about the consequences later," says Laura Woods at GoBankingRates.

"I'm not saving for anything, so why bother?"

Your financial goals will change throughout your life, and when that happens, you'll never regret being smart about your finances.

Your financial goals will change

"Perhaps you don't want to save up for a house because you live in New York City and expect that renting will be the most affordable option for the rest of your life," says Amy Fontinelle, a writer for Investopedia.

"But in five years, you might be sick of the Big Apple and decide to move to rural Vermont. Suddenly, buying a home becomes more affordable and you might wish you had five years' worth of savings in the bank for a down payment."

"I'm still young — I'll worry about saving later!" A blogger for Elite Daily caused a stir when she suggested 20-somethings were "doing something wrong" if they saved money rather than spending it freely.

Maggie McGrath, a writer for Forbes, says this is actually the single worst piece of money advice a 20-something can receive.

"If you have savings in your twenties — any at all — you are not doing something wrong," she says. "In fact, you are doing something very, very right."

If you have enough money to cover your monthly expenses, that's a great sign that you've made smart financial decisions so far. Instead of using that as an excuse to skip out on budgeting, realize that creating a budget is just one more smart decision you can make to help you on the path to financial success.

MYTH #5: "I can't control my fixed expenses, so why bother?"

Myth #5 I can't control my fixed expenses

When you're trying to trim your budget, you're likely to start by reducing how much you spend on "extras" like entertainment and food — after all, those categories usually have plenty of wiggle room.

But you may not realize you can also save money on supposedly "fixed" expenses like mortgage, utility bills, insurance, and internet access.

When writer Michael Delgado was trying to pay off thousands of dollars worth of credit card debt, he learned that even seemingly rigid monthly expenses could be lowered if you get creative.

"One of the things I realized is that your fixed expenses — the ones that seem to be locked in, like your auto insurance and rent — often have some flexibility after all."

Coupons and groceries

Your expenses are not fixed

Here are a few ways to cut back on those fixed expenses.

  • Look creatively icon

    Look creatively at your housing situation

    • If you carry a mortgage, you may want to refinance your home for a lower interest rate or longer repayment term to reduce your monthly payment. | Investopedia
    • If your home has dipped in value since you bought it, have a tax reassessment done —you may be able to lower your property taxes. | Tree
    • Consider renting out a room in your home or subletting a rLending oom in your apartment to help offset your monthly payment. |Money Crashers
    • If you rent from a private owner, ask if you can lower your rent in exchange for painting the apartment or mowing the lawn. | U.S. News
    • If you're saving for something big, or trying to make a serious dent in your debt, consider moving in with your parents temporarily. Even a three-month stay can make a significant dent in your expenses. | The Balance
  • Be mean and lean icon

    Be mean and lean with your car costs

    • Consider buying a cheap used car. Not only can you pay it off more quickly, but your insurance will be cheaper, and it won't depreciate as quickly.
    • Contact an independent insurance agent about lowering your auto insurance premiums. "This is someone who does business with a bunch of insurance companies, not just one," says Alexa at SingleMomsIncome. "An independent agent can quote your policy apples-to-apples among several different carriers to make sure you're getting the same coverage at a better rate."
  • Shop around for your cell phone plans icon

    Shop around for your cell phone plans

    • Switch carriers. Gone are the days when you were stuck with the carrier that issued your cell phone. If another carrier is offering a better monthly deal, unlock your phone and switch over. | FCC
    • Share a "family plan" with a budget-savvy friend. "Splitting the cost with other people can lower the amount you pay overall," Kelsey Sheehy says on NerdWallet.
    • Pay attention to your data. Use WiFi whenever you can to limit your data usage, and make sure you're not springing for more data than you're actually using.
  • You can find more affordable internet service icon

    You can find more affordable internet service

    • If it's available in your area, bundle your internet service with cable to get a reduced package rate on both.
    • If you only use the internet for basic web surfing, make sure you're not paying for premium download speeds.
    • If you have an unlimited data plan on your phone —and don't plan on lowering it —consider using your phone as a WiFi hotspot rather than paying for internet service.
  • Cable isn't what it used to be icon

    Cable isn't what it used to be

    • Nix the premium channels, and ask your provider if a smaller package is available in your area.
    • Switch providers to take advantage of discounted introductory rates.
    • Skip it altogether! You may find Netflix and YouTube are enough to keep you entertained.
  • Utility Bills Icon

    Utility bills

    While you can't do much about the price of heating oil or the cost of electricity delivery, you can control your usage:

    • Clean your vents for better airflow.
    • Don't run your heat or air-conditioning on mild days.
    • If your power company offers discounted rates during off-peak hours, consider doing your laundry or running your dishwasher at night. | Life Hacker
    • Load your dishwasher the right way, so you won't have to run it as often or re-wash any dishes.
    • Unplug phone chargers and small appliances when they're not in use. This simple step can knock up to 10% off your energy bill! | Energy

These simple steps really do work. Jason Chen, a blogger for Lifehacker, says he cut his energy bill using easy changes like unplugging unused appliances, reducing his usage, and installing efficient light bulbs and lamp timers:

"By using gadgets, common sense, and a constant awareness of power consumption, I've made changes that will cut my power bill by at least a third…and I'm doing it without really sacrificing anything."

What would you do for a deal?

MYTH #6: Sticking to a budget means I can't have any fun.

Myth #6 Sticking to a Budget means I can't have any fun.

Chances are you associate "living on a budget" with making sacrifices and cutting out all unnecessary expenses — sort of like putting your wallet on a diet.

But while budgeting does require you to be more mindful of how you spend your money, you don't have to give up everything you enjoy!

Most finance experts agree you'll be more likely to stick to your budget if you leave room for fun purchases like movie tickets, music downloads, or the occasional pizza delivery.

"The number one rule of setting budgets is to not cut all the fun out of your life," says Jim Testa, a spokesman for the consumer education website Myvesta Foundation.

"It's not about cutting out everything that gives you joy in life. It's about better allocating your money."

Sticking to a budget doesn't have to be boring

In fact, here are four ways a budget can actually give you more freedom to have fun:

It alleviates guilt

For many people, seeing how much they spend on fun stuff is the most nerve-wracking part of creating a budget.

"My primary reason for not budgeting was the guilt I felt about every purchase I made," says Jen Smith at SavingsWithSpunk.

But creating a budget lets you see exactly how much you can afford to spend on fun stuff each month — so you don't have to feel an ounce of guilt when you spend within your limits.

It helps you stress less

Worrying about money can be a huge source of stress.

According to a Bank of America survey, 41 percent of millennials say they're "chronically stressed" about their finances, and 55 percent say that worrying about money affects their leisure activities.

41% of millennials say they're chronically stressed

Creating a budget gives you a sense of control over your finances, which can relieve that stress.

It forces you to get creative

When you're on a budget, you have the perfect excuse to seek out free and cheap adventures. Here are a few ways to have fun on a tight budget:

  • Check your local library — many offer free movie rentals, video game rentals, yoga classes, and museum passes.
  • Look on discount sites like Groupon and LivingSocial to find bargains on local restaurants. You can easily knock 50% off your restaurant bill by planning ahead.
  • Walk, hike, or go for a bike ride in a local park.
  • Instead of meeting friends at a restaurant or bar, invite them over for a potluck dinner and board games.
  • Check out a local band — for a few dollars, you could catch a new artist before they start selling out arenas for $100 a ticket.

It can free up funds for amazing experiences.

Mark and Britnee Johnston, the bloggers behind OneWorldOneYear, made a goal of saving $40,000 so they could travel the world.

They did have to make a few lifestyle changes — like trading date nights for Netflix and taking on extra freelance work in addition to their full-time jobs — but it was worth it when they hit their goal in only two years.

"There's no better motivation than having a goal," Britnee says on their blog.

The key is to make small changes, so you don't experience what Lindsay VanSomeren, a writer for CreditSesame, calls "lifestyle shock" — that feeling when you go from spending frivolously to living on a super-strict budget.

She recommends starting small by focusing on the categories in which you spend the most money, and reducing those expenses by 30 percent.

How to cut a discretionary expense like eating out by 30%

Let's say you go out to lunch three times a week and spend $8 each time.

That's $24 per week, or $96 in four.

If you also go out for dinner every weekend and spend around $50, that's $200 in four weeks.

So your total monthly dining (lunch and dinner) expenses are around $296.

To reduce that by 30%, you'd need to aim for a $208 monthly dining budget — which means you have to spend around $88 less each month.

Here's how you can do that painlessly:

Go out to lunch once a week instead of three times.

You'll save $64 in four weeks.

Order tap water instead of a $2 soda when you go out to dinner.

In four weeks, you'll save $8.

If you normally order a $4 beer with dinner, skip it.

In four weeks, you'll save $16.

In 4 weeks how much you can save on food

With those small adjustments, you've saved a total of $88 and slashed your dining expenses by 30 percent without depriving yourself.

And once you get used to your new budget, you can always reduce it again.

The reality: Anyone can benefit from a budget

The reality anyone can benefit from a budget

With so much information at your fingertips, it can be hard to separate budget myths from solid money advice.

If you believe the biggest budget myths, you might assume that creating a budget is an overwhelming, time-consuming task.

You may feel like you're too poor to bother with a budget or too financially secure to need one.

And you may worry that living on a budget will just make you feel guilty about every penny you spend — or worse, you won't be allowed to spend money on anything fun anymore.

But creating a budget is simpler than you might realize, and there are plenty of useful budgeting tools that can help you get started.

No matter what your current financial situation is, a budget can help you get a clear sense of how much you're spending, ways you can cut back, and how you can build your savings.

The bottom line: Budgeting doesn't have to be impossible, boring or impossible boring — it can inspire you to get creative about how you spend your money, and it can even help you save up for a dream house or a trip around the world.

So ignore the budget myths, sit down at your computer (or just grab a pen and paper!) and get started.

Interested in learning more about budgeting?

You should check out these articles:

  • Budgeting Strategies For Single Parents
  • The Ultimate Guide on How to Budget as a Couple

Were you once a budget naysayer and then changed your ways for the better? What pushed you to make the change? Let us know in the comments below.

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