Money is emotional – but avoiding a budget is often more of a headache than making one

For some, making a personal budget sounds about as appealing as licking a subway floor.

“They think of it as the dreaded ‘B-word’,” says Robin Snell, a certified financial planner and founder of Nested Financial and Tax Planning. Money is emotional – it determines where we live, what we eat, the education and healthcare we can access, how we socialize, what hobbies we can take up and how much we can travel. And like many emotional topics, a lot of people would rather avoid thinking about it.