The thought of staycations, lonely nights at home and your favorite things being cut back or taken away is enough to drive anyone away from starting a budget. But this negative thinking is where so many of us fail at Budgeting 101. You don't have to take extreme measures to save money, just make small lifestyle changes. If sticking to a budget is hard, you might be doing it wrong.
Think of a healthy budget like a healthy diet: You have to have a realistic goal that motivates you, but you also have to leave a little room to reward yourself. If you don't, you're more likely to indulge in something expensive or bad for you. A successful budget is all about finding a balance between your goal and the things you enjoy.
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Follow our budgeting tips through a not-so-typical day to see how staying focused and sticking to a goal can really pay off.
If you need help learning how to make a budget, try using a budgeting worksheet or a budgeting program. It helps to visually see your household cash flow. When you sit down to list out all of your expenses, you might be surprised at how much you're actually spending.
Keep it simple, don't overthink, and come up with a method that works for you. It might take a few months to get into a new routine or to find the right budgeting strategy. We're always here to help you if you need it. You can do this.