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	<title>Comments on: Create An Artificial Scarcity To Save Money</title>
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		<title>By: Curt</title>
		<link>http://amateurassetallocator.com/2008/07/02/create-an-artificial-scarcity-to-save-money/comment-page-1/#comment-1497</link>
		<dc:creator>Curt</dc:creator>
		<pubDate>Wed, 02 Jul 2008 19:16:04 +0000</pubDate>
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		<description>This is a good idea, but it&#039;s like lying or tricking yourself.  I don&#039;t like being tricked or lied to, so why would I want to lie to myself?  If it works for you great but would rather create a budget. 

If a budget makes you feel depressed, then you can try other ways to budget.  Here are a few ideas;

1) Try post-budgeting or creating a budget for the previous month, just to see how you did. This removes some of the pressure of creating a budget for the future that you have to live up to. 

2) Try creating a budget with ranges for the amounts. That way to don&#039;t have to hit an exact number, just somewhere within a range.  For example, you could say that your food budget is between 200-300 per month or your savings in between 50-100 per month. 

3) Try easing into a budget. Suddenly living on a budget after years of spending without a care can be a shock to anyone.  Try setting a goal to migrate into a budget over a one year period.  The first 6-month, just track your expenses and see where you are spending your money without putting any pressure on yourself to change. Then, in the next 3-months, start a list of things that you could change and the following 3-months begin to change your spending.  By the end of the year, you will know how you are spending your money and will be more confident in creating a budget.

Even thought budgeting can be difficult, it is still one of the best methods for getting a hold on your finances.</description>
		<content:encoded><![CDATA[<p>This is a good idea, but it&#8217;s like lying or tricking yourself.  I don&#8217;t like being tricked or lied to, so why would I want to lie to myself?  If it works for you great but would rather create a budget. </p>
<p>If a budget makes you feel depressed, then you can try other ways to budget.  Here are a few ideas;</p>
<p>1) Try post-budgeting or creating a budget for the previous month, just to see how you did. This removes some of the pressure of creating a budget for the future that you have to live up to. </p>
<p>2) Try creating a budget with ranges for the amounts. That way to don&#8217;t have to hit an exact number, just somewhere within a range.  For example, you could say that your food budget is between 200-300 per month or your savings in between 50-100 per month. </p>
<p>3) Try easing into a budget. Suddenly living on a budget after years of spending without a care can be a shock to anyone.  Try setting a goal to migrate into a budget over a one year period.  The first 6-month, just track your expenses and see where you are spending your money without putting any pressure on yourself to change. Then, in the next 3-months, start a list of things that you could change and the following 3-months begin to change your spending.  By the end of the year, you will know how you are spending your money and will be more confident in creating a budget.</p>
<p>Even thought budgeting can be difficult, it is still one of the best methods for getting a hold on your finances.</p>
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