Upfront costs are inevitable in many instances of our lives. We make expensive purchases such as homes, vehicles, our education, and electronics all for the sake of needs or reaching achievements in life. We justify the high price tag because we are gain long term value from these things. We often will spend lots of time weighing our options, or doing research to make the right decision that is best for us.

When you implement a budget, even when you have money in your accounts, you need to acknowledge that each and every dollar has a job to do or purpose to accomplish. If you need something new, you need to factor in more money. A budget will also give you insights into what you are spending your money.