uncontrollable future. >> we do try to re-evaluate the budget every now and then. every few months. to make sure we're hitting the targets. >> reporter: that seemingly simple trick can be devilishly hard. in part because economic advisers say so many people find the idea unpleasant. >> just listen to the word budget. it's not a very appealing word, is it? >> reporter: yet amanda steinberg who started dai dailyworth.com said a good budget does not have to account for every penny. people just need to make sure big important items such as household expenses, insurance and savings are covered. and once they are, the budgeter can confidently spent money on things that he or she simply wants. >> oftentimes that means we're going to create a life that turns into a hampster wheel. because it's so expensive and hard to maintain. so that if you create a budget you have some visibility into what your life should cost so you have the freedom to spend money and you're not staying up late at night wondering how you're going to pay the bills. >> reporter: gallup found