Every now and then, a twinge of conscience, an account in red or a well-meaning (or not!) adviser – friend, relative, busybody article, banker – will prompt you to do something meaningful about your budget, or rather, your inability to stick to a budget. Don’t do it! A budget is a dumb idea, it always makes you feel bad. And me? Me, I’m on your side! Blowing budgets is art; a form of self-expression… (and I am Picasso, TRUST ME!) You ready to take this leap of faith into previously unplumbed depths of poverty? Let’s do this! At the beginning of the year, in true I’m-serious-about-this fashion, make a resolution not to blow your budget. This is the easiest part, and made easier by the fact that the holiday season has depleted all monies and driven you seriously into debt. Plus, it’s the beginning of the year! Time for new beginnings and all. So by all means, go ahead and resolve to budget. It makes blowing it that much more bitter-sweet! Then, using one of …