This year, don't make a budget.
Huh? What kind of advice is that for a frugal blog to be giving? Isn't that what you thrifty folks are all about? Well, yes, and no.
We've been approaching planning our spending in a new way for a few years now. The idea is this: instead of making a budget, and carrying around all the baggage that word brings, why not try a new mindset and make a Spending Plan instead?
That's what we wrote about recently on The Loop. If making a budget hasn't worked for you in the past, maybe a fresh and positive mindset is the key to your motivation.