You do not need a spreadsheet or a finance degree. You need a plan you can stick to on a bad week. Most family budgets fail for the same reason most diets do. They are designed for the best version of ourselves, the one who never has a car repair, a birthday party invitation or a Friday night when nobody can face cooking. Then real life happens, the plan falls apart and it feels like a personal failure. It is not. The plan was wrong, not you. Here is a gentler approach that tends to survive contact with an actual…
