Following a Budget Goes Both Ways

I received a text from my wife yesterday afternoon. "What do you want to do for dinner?" Knowing it was a Friday and the last day of the month, I immediately opened my budgeting app to see if we had any dining out money left. $76!!! I guess that's what happens when we're gone for half the month. Knowing we had a nice chunk of change remaining, we made a family date night out of it. We walked to a local pizza restaurant, then to a nearby ice cream shop. We had a blast!

There's a massive misunderstanding about budgeting. Budgeting it's about spending less.....it's about spending better. Yes, budgeting well keeps us from overspending. But it goes both ways! Budgeting, when done healthily, also prevents us from underspending. Spending better means being intentional, spending on our values, and removing negative emotions such as guilt, resentment, fear, and worry.

Many people would look at that extra $72 and proclaim it a win. Yay, we came in under budget!!!! But Sarah and I negotiated our budget at the beginning of the month, and we promised each other this was what we would spend money on. Us going out for a fun night was our way of honoring what we promised ourselves and each other. Just like we promised to pay our rent and life insurance, we promised to spend this money on dining out. It has to go both ways. We can't use a budget to only prevent us from having too much fun.....it also needs to encourage us to have fun. It's a tool to align our money with our values. And last night, our values pointed toward spending intentional time with the boys, creating memories, and enjoying some tasty food together.

The moment we treat budgeting like a one-way, fun-hating tool of cheapness and saving (er, hoarding), is the moment budgeting completely sucks. When that occurs, we start treating our life like a giant game of let's-try-to-live-like-broke-college-students-so-one-day-we'll-have-even-more. You know the problem with more, right? Every time we get more, more is still more.

There's a better way, and the better way is to have it both ways. Let the budget prevent us from coming off the rails AND let the budget force us to do the fun things we promised ourselves we would do. If more people viewed and handled money this way, budgeting may no longer be a four-letter word in most marriages.

Here’s the plan:

1. Make a budget on or around the first of the month.

2. Make sure your budget aligns with your values.

3. Do what you said you were going to do.

4. Track it.

5. Have fun!

6. Repeat.

If you follow these six simple steps, I promise you’ll find more joy, more peace, more intentionality, more unity, and more progress. Have a great day!