“Everyone has a plan until they get punched in the mouth.”

“Everyone has a plan until they get punched in the mouth.” - Mike Tyson

That was my exact feeling when I woke up this morning. The weekend I had planned didn’t turn out the way I expected… for the record I didn’t actually get punched, but boy did it feel like that. When I checked my balance this morning, I felt the hit and the accompanying feeling of “where did that come from?”.

Someone once said to me, "life is the wrong way around". When you're young you have the energy and drive to go out, but not the cash. Then when you get older, suddenly the money is there, but sitting in and watching Strictly becomes more important.

The worst part about all of this is I’d planned for a quiet one. I’d had a couple of exuberant weekends in a row, so I needed to take care of my poor ol’ bank balance. I said to myself: "get healthy, and get smart. Use the weekend to recharge and get some sleep”. But, Friday night… oh come on, it’s happened to all of us.

Then Saturday: the same thing.

It goes to show, sometimes having a plan is pointless. But what it highlighted to me is that control is important, and being aware of money and how I am spending is starting to change my habits. I have certain goals I want to achieve (short term, buying Christmas presents and long term, buying a house) and since using Bud I have seen where I am overdoing it and I can start to change my ways.

Now there is a new plan. I am actively monitoring my category spending, across all my accounts, on a daily basis to make sure I keep my spending in check. Bud makes it easy to get that information quickly so, fingers crossed I can stick to the plan.

Matt - Bud user.

You can see how you are spending by signing up to Bud. Its free, you can do it online, or on the app. Do it now. Did I mention it was free?

If you have a story you’d like to share, about how you manage your money, tails of overspending, advice on how you think Bud could help, etc. if you fancy being a guest blogger, we welcome you with open arms - click the link at the top of the page.

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