Budgeting can seem like math minus the fun – and we all know how fun math is. What’s exciting about adding up all your expenses and seeing that you spend way too much each month and need to cut back? Or maybe you put everything on your check card so you won’t overspend. Genius, right? Except you’re not building credit then, and unless you’ve also set up an automated transfer into a savings account, you’re probably not retaining any money either. But many people don’t want to hear that. Let’s examine five common myths that keep people from budgeting.