Why is it that so many people (myself included) have trouble sticking to a budget? There are usually a few problem areas that kill the budget every month.
It’s rare that something like your gas bill causes you to go over budget. It’s almost always the discretionary spending – things like going out to eat, shopping and entertainment.
It’s no fun to limit spending in those areas. That’s why most people don’t like budgets in the first place. Who cares about budgeting for your mortgage? It’s putting a limit on the fun stuff that can be difficult.
How do you conquer this? Continue Reading »