About 30 years ago after reading the book Your Money or Your Life by Dominguez & Robin I have avoided talking about a budget and prefer to talk about a “Spending Plan.”

Yes, this might seem like semantics, but would you rather have an eating plan or a diet? What are the first three letters in the word diet? Not very enrolling – is it?

Budgets bring up feelings of lack, sacrifice, deprivation, and limitations. Spending money in alignment with the financial goals you want to achieve feels far more enrolling to me. Does it feel that way to you? To start with you need to have financial goals written down that are important and fulfilling to you.

Why am I spending time talking about the difference?

Because there are apps that you can use that will allow you to track your money and see if you are spending it in the ways that will take you where you want to go. And unfortunately, they are all called budgeting apps.

When I typed into Google, “How many budgeting apps are there?” it showed over 9 million available. That would take several lifetimes to find the one you want if you looked at just a few hundred thousand.

So, I found a Yahoo Finance article (5 Budgeting Apps That Can Help You Live Richer) that described what they say are the five best budgeting apps. (There’s that word again) Just substitute Spending Plan for the word Budget.

So, if you’re looking for a Spending Plan app, you can read the article at this link:

To Your Prosperity,