Almost every person I know hates budgeting. In fact, most of them don\’t budget at all. They pay bills by the seat of their pants from check to check and what\’s left over is spendable cash. They call that budgeting. Surprise! That\’s not budgeting. It\’s simply bookkeeping to go broke. So why do people keep repeating this horrible mistake?

I read the reason people commit this crazy self financial crime is they don\’t like anything or anyone dictating how to spend their hard earned money. I can understand that because I don\’t like that either. It\’s my money and I\’ll do what I want, right? However, with no spending parameters, you\’re more likely to make impulse purchases which add up quickly and then you\’re broke again until your next check. Forget about an emergency account, or saving for housing repairs or even college for the kids or a vacation. You have a credit card for those expenses to dig your financial hole deeper and approach bankruptcy, don\’t you?

But, if everyone simply altered their perception of budgeting, then I believe we would have a wave of people experiencing: more cashflow left over after paying bills, better quality vacations annually, financial peace of mind, living life a little easier and even living their dreams.

So what\’s the huge secret? Here it is… rename budgeting to Financial Planning for Peace of Mind & Great Living. Or even it call it Taking Care of Larry if you\’re a single guy named Larry. Or call it Taking Care of Larry & His Family if you\’re Larry and have a family. You can rename it anything you want as long as it triggers positive thoughts for your present and future. But I\’ll stick with Financial Planning for Peace of Mind & Great Living. Seriously! That\’s all it takes – and here\’s why…

Words matter. Words are things. Words evoke emotions. Words evoke memories. The word budgeting may cause you to think of restrictions and the multiple use of the words \”can\’t\” and \”don\’t.\” As in, \”I can\’t afford that.\” Or, \”I don\’t have the money.\” Do these sound familiar?

How many times has a friend or family member said, \”Let\’s go away for the weekend?\” and you replied, \”I can\’t afford that!\” Wouldn\’t it be nice to cheerfully say YES, that\’s sounds great. If you plan for weekend trips by setting aside just $50 per month, then you can enjoy a well-deserved excursion.

But what happens when you call budgeting and paying bills Financial Planning for Peace of Mind & Great Living? This triggers positive feelings and causes you to imagine what your life could be like if money wasn\’t an issue, doesn\’t it? In fact, take a moment to read it again and notice what you feel and think about… Financial Planning for Peace of Mind & Great Living. Now how do you feel? What are you thinking? Can you see a better life for yourself and family?

That is what\’s great about perception, it can transform our thinking and actions instantly. Now you just need to learn the steps and take action for Financial Planning for Peace of Mind & Great Living so you too can enjoy a better life.

copyright 2015 Dave Czach

Dave Czach is an emerging financial author and speaker. He holds a BBA degree in Real Estate plus 12 years experience in Financial Services. If his writing resonates with you, please visit zakFinancial.com.

Dave Czach is an emerging financial author and speaker. He holds a BBA degree in Real Estate plus 12 years experience in Financial Services. If his writing resonates with you, please visit http://zakfinancial.com

Author Bio: Dave Czach is an emerging financial author and speaker. He holds a BBA degree in Real Estate plus 12 years experience in Financial Services. If his writing resonates with you, please visit zakFinancial.com.

Category: Finances
Keywords: budgeting, perception, financial planning, paycheck