“Budgeting is one of the most boring words in the English language. Can we make budgeting sexy?”

You want boring? Kevin Costner’s The Postman. You want sexy? Rolling around in big piles of cash in your underwear, like Allison Dine (Anna Hutchison) in Underbelly.

Bucks and budgets are intertwined, like yin and yang. Being loaded can be very sexy. How else do you explain the phenomenon of rich, crinkly, old men attracting negligee models?

But that’s not the point. How unsexy and stressful is struggling to pay the bills each month? It’s exhausting. A constant lack of money is a frustration throughout the household.

Is there anything more likely to ruin your sex life for three months than, “Honey, I’m cancelling the holiday this year, we can’t afford it.” If you’re single and searching, how are you ever going to update your status if you don’t have enough money to leave the house?

So, if budgeting is getting you down, consider the bigger picture – your sex life. More money, more action. Simple.

You need two tools – a budget planner spreadsheet http://bit.ly/1WEkF8y and a small notepad.

In the budget planner, put all your regular expenses for the year, which will help you plan. The notepad is to record daily purchases, such as coffee, magazines, tickets, clothes, etc, to feed back into the main spreadsheet. The notepad will show you where your spending cuts are needed.

Okay, so budgets aren’t sexy. But money stresses are even less appealing. Is a little bit of budgeting worth a little bit more sex?

Bruce Brammall is the author of Debt Man Walking and Mortgages Made Easy (www.brucebrammallfinancial.com.au) and a licensed financial adviser.