This is a test page.

I made January.

Everyone says “you should have a budget”, but that’s certainly good advice. But if you’ve never budgeted, you may not be sure what a budget is and what it’s meant to achieve.

In this article, I’d like to answer the question of what a budget is, why you need a budget, and a specific strategy that suits you.

One of the problems for many may be that the word “budget” is thrown too often and perhaps casually.

We are always told that the budget doesn’t work. The federal budget is near zero, and many companies are experiencing frequent cost overruns.

So, if budgets can fail, does it make sense to budget?


One of the problems with budgeting is that the word “budget” itself has a very clinical meaning. The definition of accounting budget is dry and inhuman.

Let’s start with the budget definition posted on Investopedia.

“A budget is an estimate of income and expenditure over a specific period in the future and is usually created and reassessed on a regular basis. Budgets are individuals, families, groups, businesses, governments, countries, multinational organizations, etc. Budget is an internal tool used by management in companies and organizations, and is often not needed for external reporting. “

Are you excited about this definition? Me too. But this is like learning at school or reading in a financial newspaper. That’s a valid explanation, but it doesn’t convey well at the individual level.

So let’s start by ignoring the organizational meaning of “budget” and focusing on how it can be applied to you personally.

Translated at (free version).