1. You absolutely cannot go overbudget
2. Budgeting is a snooze
3. Budgeting is another word for depriving yourself
4. Budgeting is a hassle. Who has time?
5. You can just keep a budget in your head
6. I hate math. There's no way I can budget
7. I have a good job, so I don't need to budget
8. Budgeting's not necessary if you're debt-free
9. Budgeting matters only if you're saving for a big purchase
10. I have way too much debt, so what's the use?
11. Budgeting can wait until I'm older
12. I've never made a budget. Why start now?