Don’t you just love budgeting and hearing about all the changes you need to make? I mean, doesn’t it just inspire you to change everything and never go out to eat again? Riiiight… yeah, me neither.
Honestly, some days budgeting just sucks. So, instead of writing about how to fix our budgets, I am just going give you 21 reasons that budgeting sucks.
- Being Realistic Is Harder Than Being In Denial. Denial allows me to go buy ice cream, being realistic means we need to check the budget first.
- Staying Focused Takes Discipline. And who has the energy for that all the time?
- Your Living Expenses Are Too High. Your living expenses should only be 30-50% of your monthly income, if it is more than that running a budget can be extremely stressful. Work on decreasing bills to reduce stress.
- It Is Hard To Remember Priorities. A new outfit or savings? Extra groceries or paying debt?
- Changing Financial Patterns Takes Time. We want the changes to happen overnight, but it takes months and years to change bad financial habits. Be patient with yourself!
- You Get Bored. Sometimes budgeting is like a piece of art with only a few supplies. We have to be creative and enjoy getting to make it work, or we will get bored and not stick to it.
- Budgeting Is Hard When There Is No Savings Fund. When we don’t have a savings, we tend to be more financially stressed, which makes sticking to a budget harder.
- Communication Is Slipping. Communication is KEY to making a budget less terrible, it actually can make budgeting easy and fun. Try coupling budgeting meetings with a fine wine or chocolate cake, it will help!
- You Are Eating Out Too Much. Or I should say I am. Or we all are? My answer to this is to pack snacks and carry a cold/frozen drink, but I am still working on this.
- Your Income Is Not Flexible. When there is limited income or only one source of income, it can make the budget feel limited and like you are struggling. Check out these options for starting a #sidehustle.
- It’s Hard To Tell People No. Try changing the way you phrase your no, maybe saying “Eating out isn’t my priority right now, saving for a new car is,” instead of “I can’t, I am on a budget.” It sounds so much better, right?
- We Lose Control Of Our Spending. My only way to monitor my spending is a cash-only budget, $10 or $20 a week, and it is used for anything that isn’t groceries or gas.
- You Haven’t Reevaluated Your Bills. Did you know that most companies will re-evaluate your bills every 6 months for discounts or options to lower your bills?
- Gratitude Isn’t Being Practiced. Yes, greed and a lack of gratitude will cause you to over spend and can ruin your financial game. Never buy anything, including groceries, until you have stopped to reflect on what you already have. Check out these other attitudes that will also help your budgeting.
- You Are Overly Stressed. Stress will lead you to spending more in eating out and buying stuff you don’t need. Take a vacation day or two. And read my ideas on how to move forward through stress on this blog.
- We Are All Running On Low Sleep. Studies say most of us are severely sleep deprived. Low sleep means you need more coffee and that your body is stressed, so you eat out more.
- You Aren’t Being Realistic On Your Budgeting. I always try to budget for spending about $300 less on food a month than what we actually use, which means we are out of budget from the start. Be realistic when you cut down your budget and work from what you are actually spending instead of what you want to spend.
- You Need A Budgeting App. There are lots of options and it makes budgeting on the go super easy. We are currently using Every Dollar as our budgeting app.
- Not All Budgeting Methods Are Equal. We tried paper budgeting and 700 other options (read about that drama here!), we had to find the correct method that worked for us. Don’t settle for less than what works.
- Finding Discounts Is Annoying. It is easier to get everything full price than to spend a few minutes finding sales or discounts or even free things. But if you take the time, you can really make a big difference on the budget stress while still getting to enjoy life.
- You Aren’t Prioritizing Your Financial Goals. There that is the real reason budgeting fails and the real reason we hat it so much. Once money management becomes a priority, our finances start working for us and we figure out how to make it all work.
So which one is the reason you are failing at your budget? Leave me a comment with how you are getting back on track with your budget this week.
Yes, I include affiliate links in all my blogs, it gives me the chance to stay home with the little one. I get paid a little each time you click and buy from the included links, but I only recommend products that I use myself. Thanks for helping our dream of being a full-time blogger come true! ~ Lydia Y-S.
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