Money problems will stress anyone. However, your budget shouldn’t be adding to the stress. It should be removing it. If your budget plan is causing you more stress than it’s relieving, you might want to consider changing it.
As personal finance site Money Ning explains, not everyone needs the same budget plan. Some may be perfectly happy with a system that involves meticulously categorising every single cent. For others (like myself) a spending plan that covers the basics and leaves some month-to-month freedom might be simpler. No matter what plan you go with, pick something that will be as stress-free for you as possible:
Regardless of the way you choose to organise your budget, the point is to make sure to have one because it can make your financial life a lot easier. Even if you mess up and have scratch marks (or lots of “Select All” and “Delete” options chosen in your queue of actions) all over your budget, again, the point is to have a budget and that you are trying to make it work.
Some budgets may be stressful, but not having a system at all can lead to a lot more problems (and stress). If you can’t stick to your budget system because it stresses you out, try changing it up until you find something that works for you. It’s OK if you don’t use the same system that someone else has as long as you stick to it.