The choices here are a big loaded. The gist seems to be that you either have a budget and stick to it, or you ought to. There is a middle position: you don't necessarily have a laid out budget, but you spend wisely and have savings. Or you have a budget, but it's very loose.
Jamie, if you do as you say, "you don't necessarily have a laid out budget, but you spend wisely and have savings. Or you have a budget, but it's very loose" then the last option applies to you. We're talking about having a budget -- some real plan that you "stick to" and you just aren't interested in doing that. There's no judgement in that.
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Danielle Bean, a mother of eight, is web editor of Faith & Family Live! and senior edito...
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