So much has been said already within personal finance blogs about budgeting that I thought it might be a nice change to reflect on pain-free budgeting.

Truthfully, when was the last time you found pure enjoyment out of the budgeting process? Never. Well of course not. That's because you're going about it the wrong way.

Being wealthy is not everything.

Your first mistake is thinking that building wealth is a 'be-all' and 'end-all'. Did you know that 95% of the world's population never experiences true wealth? That's right 95%. So, why bust your balls trying to fit into that miniscule 5% when you could just spend frivolously, incur everburgeoning debt and then leave it for the next generation to sort out?

There are people to help when budgeting becomes difficult.

Most people recognise that budgeting can be an insurmountable task so its best to take your concerns to someone who's qualified to give you good advice. These experts can guide you in matters of which credit card to get, how to consolidate your loans and why their bank is far better than the one which offers less fees.

Such guidance is hard to find yet their willingness to help you set financial goals by increasing your monthly spending limit each month is invaluable.

Other helpful people are those that are willing to invest in your working capacity and give you a quick loan to tide you over until payday. It makes budgeting even easier because then you know exactly how much you need to pay them back each week.

Budgeting takes far too much self-discipline

Discipline is such a stupid word. In fact, replacing it with the words 'torture', 'self-effacement' and 'going without' would be far more suitable. Discipline ensures that you have to think twice before buying that new shirt which has been reduced by 50%. It stops you from going night-clubbing both Friday and Saturday nights and it means you would have to change your shopping habits to purchase generics instead of named brands - and there is no way you should have to buy a substitute for your Johnson & Johnson cotton buds.

Budgeting is a wealthy persons concept.

Rich people have nothing better to do than place burdens upon those who are struggling financially. Which is why they came up with the concept of budgeting in the first place. It's their little inane game of trying to keep the middle folk unhappy. They talk about saving, investing and frugal spending habits as though it's something that everyone can do. Take my advice - they're just messing with your head.

Money was made for spending

They can't argue with one! It's a fact that the more you earn the more you can buy. And the more you can buy the happier you'll be.

So, in a nutshell, budgeting doesn't have to hurt. Its a mechanism designed to keep some sad little rich person alone in their lofty tower while the rest of us try and attain what they have.

Well, we don't want it so take your budgeting and ......