Type 1. This type has an innate understanding of the need
for budgeting. I am a Type 1. Growing up my parents never discussed how they
managed their money. I think they had a quasi-budget. I got married at 27 and
up until that time, I did not budget. However, on the day I brought my first
pay check home to my new bride from my new post-army job, I knew I had to
budget and I did. As with most TRUE budgeters, our family had minimum, if not
zero, money issues. Both my daughters, were taught to budget from a young age
and did not experience many of the money challenges their peers did.
Type 2. This type likely has had money issues along their
way, but did not know how to do things different. They had surely heard of a
budget, but have no idea how to do it. So they had money stresses and tried
various methods to fix the problem, to no avail. When taught budgeting, they
immediately saw its value and embraced it. Although, I have taught numerous
people, individually and in classes, budgeting techniques, I do not often know
whether they did or did not embrace the idea in the personal lives. However on
the ones that I do know that decided to budget, they found their lives changed
for the better. J
Type 3. This type knows they need a better way to manage
their money and struggle with money stress. Once they learn about budgeting
they are taken by the potential help this would be for them; and even though
they see value in it, they cannot make it a permanent part of their lives. They
may try for a while, but do not stick to it. Their financial life soon
deteriorates and the stress that they hoped to eliminate returns. Some blame it
on unforeseen events or loss of job, but these can usually be helped by
modifying their budget. Often they come to me too late for real help.L
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