2780: Why I Like Spending Plan Better than Budget by Miranda Marquit with PT Money on Budgeting

Optimal Finance Daily - Financial Independence & Money Advice

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Episode 2780:

Miranda Marquit explains why she prefers the term "spending plan" over "budget" due to the negative connotations associated with restriction and limitation. By using a spending plan, she emphasizes proactive financial planning that prioritizes funding essentials while allowing flexibility and control in other spending areas, fostering a more positive and purposeful approach to managing money.

Read along with the original article(s) here: https://ptmoney.com/spending-plan-budget/

Quotes to ponder:

"Rather than thinking, 'I can’t only do this much this month,' as a budget encourages you to think, a spending plan allows you to say, 'I’m going to do this with my money.'"

"I prefer to use the phrase 'spending plan.' It seems to convey a better sense of control and purpose."

"With the budget mindset, money is always scarce. A spending plan, though, indicates that you have some sort of direction and purpose for (at least some of) your spending."

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