Rachel Cruze says a budget doesn’t have to feel restrictive and take away all our fun. Instead, a  budget is a permission to spend. It allows you to do the things you want and value; you just have to do it on purpose. Having a budget also makes your spending more enjoyable and takes the guilt and shame away, because the spending is what you planned and you are not second guessing yourself. Take control of your money or your money will take control of you. And the number one way to take control of your money is to have a budget.