Q:  What do you say to someone who is anti-budget but needs to use some sort of system to manage their monthly finances?

A:    I’m assuming that you’re saying you are “anti-budget” because you somehow think this limits you.  The word “budget” sounds more restrictive than say money plan, financial game plan or spending plan, so perhaps changing your approach and thinking about it a little differently might also shift your mindset.  A financial game plan will help you win with money. I recommend Quicken Deluxe for about $60.00.  It provides a great platform to manage your monthly finances.  It allows you to manage and reconcile accounts (bank and credit cards), create reports to view your monthly spending and setup your Spending Plan should you change your thoughts about money planning.  If you own a Mac, iBank for about $60.00 does all of the above and includes an envelope system feature for planned expenses.

Good luck to you and thank you for your question!

Got a question about money or simplifying your financial life?  Ask me, Your Financial Coach, at AskYourFinancialCoach.com.