Spending Plan vs Budget

So what's the option? I like the concept of a spending plan - rather than tell you what or how to spend your money, let's show you where it's going (judgment free). From there, we can determine if you have a surplus (money left over every paycheck), defic

Over the years I've seen people respond negatively to the word "budget", it seems everyone "knows" they "need" one - yet very few actually have one. I think it comes from a place of not wanting to be told how to spend your money and/or fear there is no flexibility.

When I was a financial planner I wanted my clients to understand where their money was goi…