OK, does any of this sound familiar to you... You accept that having a budget will help you spend more wisely and help you save more to meet the financial goals you have set for yourself, so you've tried to make and track budget for about two weeks... Maybe you've even used one of those budget tracking apps. You know, the ones that automatically downloads and categorizes your transactions, but you just can't be bothered to double check the data or add the handful of missing/wrongly categorized transactions. Or maybe you haven't ever made a budget. You always mean to, but it just stresses you out every time you think about it. Or the idea just seems like too much work, so you have resigned yourself to never even trying. Well, you're not alone. Less than half of Canadians budget and even fewer Americans do . There's lots of reasons for this from simple tedium/boredom to lack of discipline to more complex reasons and attitudes such as a restrictive mindse