Tell me the reasons you haven’t created (yet), much less live by a specific budget… or let me guess.  You don’t think you need one for one reason or another, you can’t be bothered, or maybe you’re just as likely you’re plain scared to see your money is sucked up by the mere words on paper, knowing you don’t have enough at the end. 

So you’ll throw it on a credit card that never gets paid off because paying the minimum amount due doesn’t do it, then throw in fees and interest, and it just doesn’t seem to matter anymore or anyway.  So who needs a budget? Really… anyone whose habits don’t already have them on a road to financial security and prosperity