18 responses

  1. Careful Cents
    May 26, 2012

    Yes, yes, yes! I completely agree with you. I've always tried to do everything in moderation, and anytime I try to go "cold turkey" I fail at it. Having a balance in life is really important. I especially like the part about indulging what makes you happy. Sometimes we go so caught up in paying off debt or saving money, we cut out all the things that make us happy, which makes for a very unhappy existence.
    My recent post 10 Ways Receipts Can Save You Money

  2. Tom@easyfinance
    May 20, 2012

    Brilliant article. No doubt it would help me a lot to modulate my budgeting problems and help me out in all the way possible.

    • URFinanceSimple
      May 20, 2012

      I'm glad the article could assist you :-) Do you have any budgeting tips that you could share?

      • Tom
        May 22, 2012

        Its my pleasure. Well, I would like to share with you the procedure that I follow on a regular basis. Being an out an out tidy and well organized person, I do follow a calculation sheet on probable monthly expenditure on the very 1st day of every month. Not that it doesn't cross the estimated amount in an ongoing month, but at least helps me to keep a track and monitor my total amount of savings and expenditure ratio. In case if the expense limit exceeds my calculation, I can overcome it by the very next month. Also I don't use credit card at a spree in order to avoid the limitless expense.

  3. Budget & the Beach
    May 18, 2012

    First of all I loved the video…the pop ups, the smooth jazz. And you're so right. You just can't give up everything because what you resist persists. I have a category called weekly cash. it's a pretty big amount and that's mine to spend as I wish on whatever I wish, as long as I don't go over every month.

    • URFinanceSimple
      May 18, 2012

      I think all videos with Kenny G deserve a thumbs up. also, thank you for having the weekly cash account. I'm glad you get it, and understand that budgeting is about having fun too!

  4. Shawanda
    May 18, 2012

    OMG! This is so true. I hate when I tell people I'm trying to lose a few pounds and then they judge me for eating a cupcake or having a few slices of pizza. (I find it interesting how these folks are almost always overweight and in no position to judge my diet choices.) I never said I'd eat healthy 100% of the time for the rest of my life. That's unsustainable and a quick way to fail miserably. When it comes to my meals, I try to eat whole foods. That's about it. I don't do reduced fat, sugar free, none of that. That food is bland, disgusting and I don't wanna eat it. So, I'll eat meat that's insanely fatty. If I'm gonna have ice cream, gimme Ben & Jerry's, 1,200 calories a pint. I just don't eat a lot of it. I don't need to. I'm satisfied with a reasonably sized portion.

    • URFinanceSimple
      May 18, 2012

      That's a great way to look at it.. I also hate people who judge me based on my occasional wants. It's about moderation and checks and balances. succumbing to your wants every once in a while goes a long way in the discipline department.

  5. Fin. Conflict Coach
    May 18, 2012

    Great insight, my friend! Extremes rarely work. **MESSAGE!!**

    You usually don't get into debt or become obese in one day, one week or even one month. It happens a little bit at a time. So don't go to the extreme when you start to cut spending or try to lose weight. Do ONE thing a day to make progress. After a while (they say about 17 days to create a habit) you're able to do more without it having a huge impact in your routine. At least, that's worked for me.

    • URFinanceSimple
      May 18, 2012

      Ohh.. I love how you put this. I might have to take your comment and make an entire blog post about it. Great stuff!

      *MESSAGE!* LOL

  6. seedebtrun
    May 17, 2012

    So true about the dieting and finances. If I jump into a diet/workout program saying I'm going to work out for 2 hours 7 days a week and not eat anything but grilled chicken and vegetables, I won't even survive the first week! Some people can do that, but I can't. I need to work my way up and I'm the same way with money. If I don't allow myself enough "cheats," I burn out and say screw it…let's just be in debt forever. :)
    -M

    • URFinanceSimple
      May 18, 2012

      Nothing wrong with cheat days or fun money, they keep you in check. I for one can't survive without doing some fun stuff or eating some fun things.

    • URFinanceSimple
      May 20, 2012

      It takes time to create a habit, I'm sure you can learn to only eat chicken and veggies, but do you really want to do that? Everything in moderation. For example, people think you need to run 6 miles a day for cardio, nope! You only need 20 minutes a day to be effective.

      LOL at "Let just be in debt forever"

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