![]() Here’s what I had gotten wrong: Myth: budgeting is hard work Within a year, I was a fully converted budget advocate, convinced that we didn’t just need a budget, but we also kind of loved having one. And within a few months, all those preconceived notions about budgeting had eroded. With a ton of remaining debt and recurring fights about money, Michael and I signed up for the app You Need A Budget (or YNAB) as a last ditch effort to get our finances in order. But then last year, I hit a breaking point. Specifically, that it’s a lot of hard work and all you’ll ever have to show for it is a bank account with a really high number and an unfulfilled life. And because of the former group, I have spent my life with lots of preconceived notions about what budgeting means. And if I had to have my pick? I’d always choose the latter. My family is split into two distinct factions: hyper-vigilant budgeters who never seem to have any fun and carefree go-with-the-flow people who never seem to have any money. But how we stayed in debt is easier to pin down. Our wedding cost more than we planned for. The story of how we got so deep is nebulous at best-lots of little unexpected things added up. For more about APW and how we make money, please click here.Ī few short years ago, Michael and I looked at our bank statements and realized we were $33,000 in debt (not including our gigantic student loans).
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