💳 The Habit of the Budget

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“Budget thy expenses that thou mayest have coins to pay for thy necessities, to pay for thy enjoyments and to gratify thy worthwhile desires without spending more than nine-tenths of thy earnings.” - The Richest Man in Babylon

Summary

The Habit of the Budget is about actively working with your money — not just setting limits. A budget is a living plan that changes with your life, helping you stay intentional instead of impulsive. Use your budget for your bills, needs, and wants, and keep it in check.

Where The Habit of Allocation defines how much goes where (e.g., the 10-20-70 plan), The Habit of the Budget defines how you actually live within those numbers day-to-day. You get to decide what's important to you and your family to spend on.

Core idea: Budgeting isn’t saying no — it’s saying not now and what I actually want to spend on. Every dollar gets an assignment before it disappears.

Practice it

1. Build a flexible plan — not a rigid spreadsheet.

2. Review weekly and adjust for reality, not perfection.

3. Use your budget to guide choices, not guilt yourself.

Stack it with

• 🪙 Habit of Cash (spend consciously)

• 💰 Habit of Pay Yourself First

• ⚖️ Habit of Allocation (10-20-70 Plan)

  
  

Reflection:👉 Does your budget feel like control — or chaos?

To your success.