Addressing Clue #3 that You Might be a Financial Zombie

On October 8th, 2013, I published my first list of clues that you might be a financial zombie. I will be addressing each of those clues (11) individually plus any others posted during the month, with the goal of counteracting the financial infection.

Are budgets liberating or restrictive?Clue #3:  You believe that budgets are too restrictive or only for those in financial trouble.

As we all know, zombies, while they don’t technically feel, have an instinctive drive to break free from any restrictions (locked rooms, coffins, movie screens) to seek out sustenance. Likewise, Financial Zombies act against restrictions, such as budgets. This is the case, even though the rest of us (the Financially Living) know that budgets are tools and guides to help us identify what is most important to us that will require money to purchase.

The problem is, the Financially Undead use no reasoning to realize that budgets are simply plans for how we want to spend our money. The Financially Living, if they start to feel restricted in their spending, will often insert into their plans a few dollars ($5 to $50 or more, depending upon their financial circumstances) to spend however they so choose during the month. I call it “Fun Money.” Others may call it splurge money, mad money or guilt-free money.

Whatever the name, it can help overcome the sense of restrictiveness so often associated with budgets… er, spending plans.

Here’s a poll for all Financial Zombies to take:

Thanks for your time with me today. Have a fantastic day!


Author of Everyday Money for Everyday People, Todd ChristensenTodd Christensen
Everyday Money for Everyday People


3 thoughts on “Addressing Clue #3 that You Might be a Financial Zombie

  1. Pingback: 11 Clues that You Might Be a Financial Zombie | Everyday Money for Everyday People

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