If You Hate Budgeting – Try This!

June 5, 2017
budgeting for budget haters - a course that will transform your finances
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So, maybe this is you.

You woke up one day and ran dab-smack into one of life’s most frustrating events – you got a flat tire.

But that isn’t even the peak of your frustration. All the feels came is when you checked your banking app and realized that the only thing you have in your checking account is $3.37. Savings account – Ummm, yeah…no luck.

After calling a friend to come and pick you up from the side of the road, you make it home and proceed to worry about how you’re going to get to work until payday.

Unfortunately, your car is going to have to stay on the side of the road until payday because your credit card is maxed out and the jar you keep above your kitchen sink full of coins isn’t even going to help.

You declare this is the last time. You’re sick of this mess. Tired of never having enough money after getting paid, tired of being left in situations like this – sick of not being able to get ahead.

You just wanna pay your bills and have a positive bank balance after doing it. I get it!

If you’ve been struggling with learning how to budget well because you hate it or just can’t seem to get the hang of it, it might be time to focus on getting just a little more serious about it.


Because your future depends on it! You can either continue doing the same thing you’re doing and expecting different results (you know they call that insanity, right?) or you can put your foot down and say enough is enough!

I remember the moment I did that. You know, put my foot down and all.

It’s quite liberating actually. You feel really good when you stick with the plan. It’s like your inner mini-voice is saying, “Power to ya girl!”

I know right now it feels like no matter what you do, you can’t seem to get a budget to work for you. You feel stuck and just don’t know any way out and it’s not your fault.


But let me tell you something. Once you make a real sacrifice and a solid commitment, things will start getting better. You just have to keep putting one foot in front of the other and stay focused.

So, today I want to share with you a course that can help you figure out your budget so you will have less frustrating days ahead of you.

Wanna learn more? Cool…keep reading!


Budgeting for Budget Haters — a perfect solution.


Recently, I wanted to improve my budgeting skills (yes, this is something I still work on myself). I heard about this new course called Budgeting for Budget Haters — I said, why not?

The course was created a certified financial planner, so at least I knew I was getting help from someone who really knew what he was doing. Also, the course covered a few things I was interested in exploring learning more about.


Those things were:

  • Building a yearly budget
  • How having too many accounts can hurt you (I definitely have a lot of accounts, so I was intrigued)
  • And how to maximize the use of YNAB (You Need a Budget)


Based on those three things alone, I decided to enroll in the course to learn some more. I’m always skeptical about what you’ll receive in these kinds of courses, but I was very pleased with how in depth the course goes into figuring out your budget.

For instance, one profound thing you can do to help you master budgeting is to think about your budget far out into the future. I know it’s a little intimidating but stick with me.

If you think about your budget from a 6-month to the 1-year term, you’ll be better prepared to handle unexpected expenses. You will also learn your bottom line which is how much you absolutely have to make each month to survive.

Knowing that information will actually make you feel much better about your situation. I’ll explain…

Let’s say you bring home a total of $1,800 per month, which is $21,600 gross annual income. Your taxes and health insurance are already taken out, so $1,800 per month is your bare minimum income.

We will say just for the purposes of this example that your monthly expenses are $1,200, which means your expenses are $14,400 per year.

Now, we’re not going to even dwell on the fact of where the $6,600 difference goes. What we are going to focus on is that now you know that even if you only made $14,400 per year, you’d survive.

This would come in really handy if you wanted to take another job that you absolutely love, but the only downfall is that it pays slightly less. You will only bring home after taxes and insurance, a total of $1,700.

Now, most people would freak out. Like, “Oh-em-gee…I really want this job but I ain’t taking a $100 pay cut.”

So, basically, you might pass up an opportunity to take a job you love, with a better work environment, and other employee bucks just because of $100 per month.

But if you knew your bottom line, that wouldn’t even phase you. You would happily take up the opportunity because the work would be more fulfilling.

That’s what I’m talking about. You will feel better about new opportunities, your current financial situation, and your future financial outlook.

This course will teach you how to approach your finances this way. To see the opportunities in the budget you’re working with. I can’t see how you would walk away from this course without learning how to finally budget the right way.



Here is a rundown of what the course offers:

  • Set smart financial goals and use them to avoid the debt/savings roller coaster
  • Budget for periodic expenses
  • Create an annual budget and plan like you’ve never planned before
  • Budget for the fun stuff and incorporate guilt-free spending
  • Prioritize debt repayment
  • Budget with a variable income
  • Use budgeting software (with on screen instructions!) He shows you how to get the most from the popular budgeting software, You Need a Budget (YNAB).
  • Plus, you learn how to set up your budget in a way that requires LOW maintenance. That was a big motivating factor for me!


I was so impressed with the course that I reached out to the course creator, Adam, to see if he could do a special discount for LAAB readers who have had it up to here with trying to figure out how to budget on their own.

Thankfully, he agreed and I have a deal to share with you, but you know what? I’ve got some bonuses for you too!

I know how frustrating it is when you’re trying to get your finances together so I wanted to do something that would sweeten the pot for those of you trying to get out of struggleville.




A Discount, A Freebie, and a Giveaway


So, this is what I came up with:

  • Plus, a chance to win a one-year subscription to You Need a Budget software that Adam reviews how to use in the course!


Wrapping Thangs Up


The 20% off discount on Budgeting for Budget Haters is available today, June 5th through June 11th at 11:59 pm EST. Use the code LIFEANDABUDGET to receive the discount.

Once you purchase the course, just forward me a copy of the receipt and I will email you a free copy of The ASAP Emergency Fund Plan, plus your name will be thrown into the hat to win a year’s subscription of YNAB.

The giveaway has ended, but I will continue with giving a free copy of my e-book, The ASAP Emergency Fund to anyone who purchases Budgeting for Budgeting Haters e-course. Send me a copy of you purchase receipt to latoya at lifeandabudget dot com and I will send it over to you. Thanks!

Also, if for any reason the course doesn’t finally help you create that perfect budget, there is a 60-day money back guarantee!

I think this is a perfect way to learn what you just can’t seem to learn on your own about budgeting. And not only that, my new e-book will walk you through step by step on how to create your baby $1,000 emergency fund quickly.

So let’s graduate from struggleville and finally put a plan in place. And even if you’re not struggling, but can’t seem to get budgeting to stick, this is your time to shine too, girl:) Go ahead, invest in yourself.

To get access to Budgeting for Budget Haters, click here.



Latoya Scott
CFEI/Social Entrepreneur
Latoya Scott is a Certified Financial Education Instructor and personal finance writer with a mission to help millennials learn how to stop living paycheck to paycheck so they can become financially carefree.

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  • Chonce June 5, 2017 at 12:20 pm

    I’m going to be honest, I typically wouldn’t think about my budget far out into the future, because things are usually a little unpredictable around here. But this sounds like my type of budgeting system! I’ll have to check it out. Thanks for sharing!
    Chonce recently posted…Wedding Budgeting Tips: Where to Save and SplurgeMy Profile

  • Dana Carmel June 5, 2017 at 1:05 pm

    This seems like such a great class. I really think these kinds of things need to be taught to kids in school early on and reinforced throughout their education so that it just becomes a way of life. I definitely live on a budget. I’m hoping to start allocating more to savings than I already am.

  • EG III June 5, 2017 at 1:28 pm

    Great idea for a course. There are so many people that can benefit from having better budgeting practices.

  • Kemkem June 5, 2017 at 1:40 pm

    It sounds like a really good investment for people who hate to budget because you’re right people sometimes miss the big picture 🙂
    Kemkem recently posted…4 Mainstream Common Misconceptions About Frugality Destroyed!My Profile

  • Terri June 5, 2017 at 2:08 pm

    I’m one of those weird people who really am happy with budgeting. It makes me feel organized and complete. And I’ve also found myself in your opening predicament with car issues. To remedy that situation, I created a completely separate savings accounts just for car issues. I realized that one guarantee is that a car will need work at one point or another whether it’s an oil change, brake issues or flat tire. Therefore, I had no excuse to not be prepared for it when it happens again. Now thanks to my account created specifically for the car, problems that arise aren’t as much of a headache.
    Terri recently posted…How to Put an Extra $500 Towards Debt on a Modest IncomeMy Profile

    • Latoya Scott June 12, 2017 at 1:48 pm

      Yep, we have a separate car maintenance account too. Lifesaver!

  • Lia World Traveler June 6, 2017 at 11:29 am

    I don’t mind budgeting and am always looking for ways to save money. My issue is consistency and sticking with the budget. I don’t go off budget per say I just don’t track all my expenses or plan that far in the future. Need to get back on it!

  • Jay Colby June 6, 2017 at 1:07 pm

    I love a to budget and see how money I can save each month. This is a great way to budget.

  • Kita June 6, 2017 at 7:31 pm

    I have been working on budgeting. Your course sounds perfect. I am definitely the lazy type when it comes to these things.

  • Adam Hagerman June 6, 2017 at 11:02 pm

    If anyone has questions on the course, I’d be more than happy to answer. I look forward to seeing your progress in the course! 🙂

  • Stacie June 6, 2017 at 11:07 pm

    I’m a firm believer in using a budget, I’ve never heard of a yearly budget though. I don mine monthly.
    Stacie recently posted…An Evening of Freshness with Litehouse FoodsMy Profile

    • Latoya Scott June 12, 2017 at 1:47 pm

      Learn something new every day, don’t ya?

  • Mimi Green June 6, 2017 at 11:32 pm

    I have lived by an annual budget for the past 13 years. My Boo who was brand new at the time put me on to the budget he was using. 13 years later I kept the Boo and the budget, best decision ever.
    Mimi Green recently posted…Did You Know They Are Putting North Cap On The Map?My Profile

    • Latoya Scott June 12, 2017 at 1:47 pm

      Ha! I love it, Mimi! That’s a winning package!

  • Carissa June 7, 2017 at 12:44 am

    This is something that I definitely need to look into! We need to do better in the area of budgeting, its something we aren’t consistent with at all!
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  • Keisha June 7, 2017 at 1:15 am

    I think this is a great thing that you’re doing for yourself and for others. So many are just trying to get from one month to the next without even thinking long term. The emergency fund is soooo crucial. Life can change at a moment’s notice and we should all be prepared as best we can. Thank you for the reminder, and for the hookups!
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  • Kasi June 10, 2017 at 10:36 pm

    Your course sounds great! I definitely believe budgeting is so important!
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  • LaQuisha June 12, 2017 at 7:12 am

    No! Don’t make me, lol! Low maintenance sounds like my cup of tea!
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