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Ditch the Budget and Automate Your Money

Ditch the Budget and Automate Your Money

Ms. Career Girl | Excelle

September 01, 2009

by Nicole Crimaldi, founder of MsCareerGirl.com

It’s a Friday afternoon and you are walking home from work. You’ve had a super stressful week at work. Not only are your superiors on you about a plethora of issues at work, your best friend cancelled on your girls night and you are in a fight with your boyfriend.

Enter . You walk past and see a gorgeous <outfit, purse, new makeup, shoes — whatever> in the window. “I DESERVE IT!” You tell yourself. “What a week!”

Out comes the plastic. Followed by another credit card bill you can’t pay off. You tell yourself, “it’s fine- I just won’t eat this week.” Followed by you thinking you might as well keep going down Michigan Avenue and add to the pile. You just got paid, “It will all work out somehow, right?!”

Stop right there!

If you are an impulse or emotional shopper who hates the word “budget” then you need to get automated. This is for your own peace of mind and financial security.

I hate the word budget too, but I love the word GOALS.

Therefore, here’s what I suggest:

Set up 3 free checking accounts which your paycheck direct deposits to each pay period:

1. For your rent/mortgage payment + your savings.

2. For utilities, Netflix, cell phone bill, car insurance and any other monthly bills you get.

3. For your play, grocery and gas money.

Why does this work? Find out on the next page →


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