The scariest thing I saw this Halloween was a series of articles giving the horrific advice to make an insurance claim for Halloween pranks. Following their advice will cost you much more than whatever money the insurance company pays out.
The debate about whether a budget is a necessity or a waste of time often centers on a fundamentally flawed definition of budgeting. The exercise of budgeting shouldn’t be designed to limit you, but to give you the freedom to spend money in the manner you wish to spend it.