Budgeting seems time consuming. Besides, as long as you only allow yourself to have that morning mocha once or twice a week, you should be fineóright?
Budgeting isnít just about making sure you can afford to pay your bills every month. Itís also about being able to plan and save for your future goals. If you budgeted properly, maybe instead of that mocha on the way to class you could pay off that credit card!