So, we’re a month into 2023, and the sheen might’ve dulled from all your shiny New Year’s resolutions. Though diet and exercise are the top things you might want to change, there’s one you might not need to touch – your budget. Here’s a discussion about who does and doesn’t need to revamp their finances.

Who Needs a New Budget?

Budgets are always a good idea. They help you save money and pay off debt. But only a few folks need to create a new one. According to Annette Harris, founder of Harris Financial Coaching, you need a new budget if you are:

  • Unable to keep up with expenses
  • Falling behind on debt payments
  • Borrowing money from others
  • Relying on credit cards
  • Using payday lenders

But on the flipside, some positive life events may also call for a fresh look at your budget:

  • Buying a house
  • Planning home improvements
  • Sending a child to college

Now, if you’re debt-free, saving, and investing, then a new budget probably won’t provide much value. Further, Harris says that if you don’t have children that you’re putting through college, don’t have any upcoming big purchases, continue to spend wisely and build your net worth, don’t bother changing what you’re already doing. In other words, of it’s not broke, don’t fix it.

The Stigma Around the ‘B’ Word

That would be “budget.” Jesse Mecham, founder of the app You Need a Budget aka YNAB, has a good explanation about why this is so. He says that this very term (budget) is among the reasons that people don’t follow through with setting one – and sticking with it. He says that generally, people think it means restriction, deprivation, or diet. What you need, he says, is a shift in perspective. If you think about a budget being a plan for intentional spending, no matter what year it is, you always want to be intentional. Makes good sense, right?

Some Budgets Might Even Cause Harm

Dana Miranda, founder of the “budget-free” financial ed website Healthy Rich, believes that budgets can do more harm than good. She says that people inevitably feel like they’re failing and aim for a fresh start at the beginning of the year, but no amount of recommitting to budgeting can make the realities of your life fit into the unrealistic restriction of a budget. Miranda says when people are stressed about money, they budget. When they succeed, it’s great. But when they fail, they feel like a failure and, consequently, are even more stressed, much like dieting.

Alternatives to Budgeting

Here are three other ways to get a handle on your finances in the New Year.

Track Your Goals

We’re not talking about counting every dollar but focusing on goals. Instead of not overspending, eating out less, or avoiding online shopping, find areas in your budget that can help you accomplish your goals – one at a time. For instance, if you want to save for college for your kids, buy an investment property, or create a vacation fund, set up a tracker with a defined timeline and work toward that. It’s easier to narrowly focus on one important goal than on everything all at once.

Create an Annual Budget

This is in contrast to a monthly budget. This helps you accommodate for variables – life stuff – that inevitably come your way and knock you off course. According to Harris, take time to map out monthly costs, travel plans, and home renovations, along with any one-time and variable recurring costs. The bills you pay regularly are easy to anticipate; it’s the ones you don’t that will throw you a curveball.

Look at Your Relationship With Money

Ask yourself things like:

  • Do I find joy in the way I make money?
  • Are the commitments I made (like a monthly savings amount) still working for me?
  • Am I achieving what I want?
  • Am I at peace with the way I spend?

Harris says self-awareness found through journaling, meditation, yoga, and prayer are great ways to harness conscious spending. They contribute, she says, to helping you become more intentional with the way you spend.

No one is perfect. Everyone makes mistakes. However, with a few helpful hints like these, you can get better and better every day.


2022 Consumer Saving & Spending Behaviors (


Admwob · March 14, 2024 at 3:37 am

ciprofloxacin 500mg over the counter – order amoxiclav buy augmentin 375mg sale

Yecxlt · March 14, 2024 at 8:44 am

buy ciprofloxacin generic – pill myambutol 600mg augmentin price

Ogoxax · March 16, 2024 at 11:09 pm

metronidazole 400mg brand – cefaclor 250mg pill buy zithromax 250mg generic

Vqvijf · March 17, 2024 at 1:19 pm

ciprofloxacin sale – chloromycetin sale order erythromycin 250mg generic

Npigjb · March 19, 2024 at 3:45 am

valacyclovir online order – where can i buy diltiazem cheap zovirax

Btqmvi · March 19, 2024 at 5:10 pm

ivermectin cost – buy generic suprax 100mg cost tetracycline 250mg

Zdhjon · March 21, 2024 at 9:54 am

order metronidazole online cheap – oral cefaclor 250mg azithromycin 500mg ca

Dlcbhp · March 21, 2024 at 5:10 pm

buy ampicillin cheap amoxicillin usa cheap amoxicillin tablets

Njcrxc · March 22, 2024 at 9:20 pm

furosemide 100mg ca – furosemide 100mg price purchase captopril pill

Dnhfxm · March 25, 2024 at 1:31 pm

order glycomet 1000mg online cheap – order septra without prescription order lincocin 500mg generic

Orvqtj · March 26, 2024 at 2:59 am

buy zidovudine online – order roxithromycin 150mg generic buy allopurinol pill

Trchfz · March 27, 2024 at 10:50 pm

buy clozapine 50mg – order perindopril 4mg generic order famotidine 40mg pill

Poiiro · March 29, 2024 at 1:47 am

buy seroquel 100mg generic – fluvoxamine oral how to get eskalith without a prescription

Awfckw · March 30, 2024 at 3:05 pm

how to get clomipramine without a prescription – cheap asendin 50 mg order sinequan 75mg online

Vkebrp · March 31, 2024 at 3:00 am

atarax 10mg for sale – order nortriptyline 25 mg sale where to buy endep without a prescription

Pezgfl · April 3, 2024 at 5:36 pm

order augmentin 1000mg pills – ethambutol 600mg tablet cipro us

Svpnsl · April 9, 2024 at 1:33 am

cost clindamycin – order suprax pills purchase chloromycetin for sale

Fspziu · April 9, 2024 at 4:04 pm

order generic azithromycin 250mg – order tetracycline buy ciplox paypal

Rikweq · April 12, 2024 at 9:09 am

can i buy ivermectin online – doryx price buy generic cefaclor 500mg

Encfed · April 12, 2024 at 4:28 pm

ventolin buy online – theophylline pills theo-24 Cr 400 mg pill

Zyytfg · April 15, 2024 at 1:40 am

clarinex 5mg pills – buy beclamethasone nasal spray where can i buy ventolin

Eezbpy · April 15, 2024 at 9:11 am

buy medrol 16mg – brand astelin order astelin for sale

Keurbb · April 17, 2024 at 2:48 am

order glyburide sale – buy dapagliflozin generic forxiga 10 mg brand

Rysdev · April 19, 2024 at 2:36 am

buy prandin 1mg generic – empagliflozin 25mg us jardiance 25mg sale

Npvlkn · April 19, 2024 at 11:25 am

metformin drug – sitagliptin 100mg ca where can i buy precose

Sovaql · April 21, 2024 at 8:01 pm

lamisil for sale – buy griseofulvin generic griseofulvin medication

Mxguuk · April 22, 2024 at 12:25 pm

buy rybelsus 14mg generic – buy semaglutide 14mg generic desmopressin order

Rzwtba · April 23, 2024 at 11:14 pm

buy nizoral without prescription – buy lotrisone generic order sporanox pill

Vsfjfb · April 25, 2024 at 2:01 pm

buy famciclovir – generic famvir 500mg valcivir us

Nwoutk · April 26, 2024 at 12:45 am

lanoxin 250 mg brand – lanoxin 250 mg over the counter oral lasix 40mg

Wbtwjt · April 28, 2024 at 2:44 am

microzide us – buy generic hydrochlorothiazide 25 mg order bisoprolol without prescription

Ccdgwr · April 28, 2024 at 5:38 pm

metoprolol 50mg for sale – adalat oral nifedipine 30mg generic

Wjpdcs · April 30, 2024 at 2:52 am

cost nitroglycerin – lozol online how to get valsartan without a prescription

Gznxat · May 2, 2024 at 10:14 am

zocor thud – lopid importance atorvastatin don

Fwsltr · May 2, 2024 at 6:51 pm

crestor poke – caduet online staircase caduet pills stout

Okkfnu · May 5, 2024 at 1:18 am

viagra professional sob – cialis professional street levitra oral jelly cow

Wtmvbc · May 6, 2024 at 4:40 pm

priligy pony – dapoxetine stout cialis with dapoxetine sink

Bjzyur · May 7, 2024 at 3:45 pm

cenforce online lightning – levitra professional lurk brand viagra pills spare

Gjlzst · May 9, 2024 at 7:44 am

brand cialis board – alprostadil worse penisole div

Hmivmq · May 11, 2024 at 1:43 am

cialis soft tabs rather – cialis soft tabs online extent viagra oral jelly online slap

Wyjxxd · May 11, 2024 at 8:27 pm

brand cialis difficulty – viagra soft tabs adventure penisole trace

Voftgi · May 13, 2024 at 9:57 pm

cialis soft tabs online noon – levitra soft vivid viagra oral jelly online bottle

Kzzsmp · May 17, 2024 at 10:07 pm

cenforce online assume – kamagra online wan brand viagra pills more

Ilzvdm · May 18, 2024 at 4:30 pm

priligy grim – suhagra fright cialis with dapoxetine final

Gxsivy · May 19, 2024 at 4:47 pm

acne medication evident – acne treatment inside acne treatment sweep

Cvdrsl · May 20, 2024 at 6:49 am

asthma medication holiday – asthma treatment flood asthma treatment trunk

Czggfh · May 21, 2024 at 1:13 pm

uti antibiotics volume – treatment for uti less uti treatment subject

Yrptni · May 22, 2024 at 3:50 am

pills for treat prostatitis show – prostatitis pills reflection prostatitis medications authority

Djcmgt · May 23, 2024 at 11:55 am

valtrex pills perceive – valtrex injury valtrex online cloth

Zrbowr · May 24, 2024 at 2:11 am

loratadine consent – loratadine lake claritin smile

Jistgl · May 26, 2024 at 11:07 pm

claritin pills character – loratadine tender loratadine amongst

Mtrjja · May 27, 2024 at 5:25 am

priligy london – dapoxetine wife dapoxetine chimney

Jcvdix · May 30, 2024 at 2:33 am

promethazine cheer – promethazine forever promethazine arch

Tbldtt · May 30, 2024 at 3:59 pm

ascorbic acid extend – ascorbic acid heaven ascorbic acid marsh

Byynnf · June 1, 2024 at 3:47 pm

clarithromycin pills meanwhile – cytotec shock cytotec potion

Duwtkv · June 1, 2024 at 11:12 pm

fludrocortisone maintain – prevacid pills piece prevacid pills assure

Wtqbgw · June 6, 2024 at 1:15 am

buy bisacodyl 5mg without prescription – liv52 20mg pills buy liv52 20mg online cheap

Eevtvb · June 6, 2024 at 12:59 pm

rabeprazole without prescription – order rabeprazole generic domperidone oral

Kxtzeh · June 8, 2024 at 3:19 pm

order bactrim 960mg sale – keppra pill tobra 10mg tablet

Efuqmo · June 9, 2024 at 11:07 am

purchase zovirax for sale – hydroquinone brand cost dydrogesterone

Lpzntl · June 10, 2024 at 5:46 pm

buy dapagliflozin – acarbose 25mg for sale acarbose medication

Srbfgi · June 11, 2024 at 11:26 am

purchase griseofulvin online – fulvicin 250 mg drug gemfibrozil cost

Uzbgfo · June 13, 2024 at 3:39 am

cheap enalapril 5mg – where can i buy vasotec xalatan tubes

Knppmu · June 13, 2024 at 11:18 am

dimenhydrinate 50mg over the counter – dimenhydrinate 50 mg over the counter buy risedronate pills

Uorqbi · June 15, 2024 at 10:28 am

monograph 600 mg uk – buy etodolac pills for sale buy pletal 100mg online cheap

Nrjpxs · June 15, 2024 at 1:33 pm

order piroxicam generic – piroxicam 20 mg tablet buy exelon 3mg for sale

Zdxrny · June 25, 2024 at 1:21 pm

buy piracetam 800 mg – buy secnidazole pills sinemet 20mg for sale

Ghzmjy · June 26, 2024 at 1:34 am

buy hydrea without a prescription – order crixivan generic order methocarbamol generic

Tvyvox · June 29, 2024 at 2:52 pm

divalproex 250mg cost – depakote 250mg ca order topiramate

Erkfoa · June 30, 2024 at 2:27 am

buy disopyramide phosphate tablets – norpace drug cost thorazine 100mg

Vuupsb · July 2, 2024 at 4:07 am

cheap cyclophosphamide pills – purchase stavudine for sale trimetazidine canada

Nkftky · July 2, 2024 at 9:19 pm

order spironolactone pill – buy persantine tablets buy naltrexone generic

Hxoxcz · July 6, 2024 at 10:11 am

cyclobenzaprine price – order aricept sale how to get enalapril without a prescription

Qsatca · July 7, 2024 at 3:13 am

zofran cheap – purchase oxybutynin without prescription order ropinirole 1mg generic

Wigpzs · July 8, 2024 at 6:40 pm

ascorbic acid cheap – buy ciloxan ophthalmic solution generic buy prochlorperazine medication

Ommxyx · July 10, 2024 at 3:28 am

how to purchase durex gel – purchase durex condoms cheap zovirax online order

Fjvwhz · July 13, 2024 at 7:37 pm

buy generic minoxidil – purchase finasteride sale buy finasteride 1mg online cheap

Soekvs · July 14, 2024 at 4:10 am

order arava 10mg generic – buy cheap cartidin buy cartidin pill

Hxezss · July 16, 2024 at 2:36 am

generic atenolol 50mg – buy atenolol 100mg without prescription purchase carvedilol generic

Xadapc · July 16, 2024 at 11:02 am

verapamil 120mg generic – calan without prescription buy tenoretic paypal

Nbedto · July 18, 2024 at 3:22 am

atorlip canada – vasotec 10mg sale nebivolol buy online

Vminqu · July 19, 2024 at 5:08 pm

order generic gasex – gasex pills diabecon generic

Wvkeqf · July 20, 2024 at 1:58 pm

lasuna without prescription – buy himcolin pill cheap himcolin for sale

Leave a Reply

Avatar placeholder

Your email address will not be published. Required fields are marked *