5 Reasons Why You Can’t Stick to Your Budget and How to Fix It

Do you have difficulty starting on a budget? Or if you have already prepared your budget, are you having difficulty sticking to it? Perhaps you are plagued by one or more of the common reasons why a budget is not working for you. Good news is, there’s a way to fix them.

1. Looking for Perfection

You want to create the perfect budget that will work for you personally so you keep crunching numbers; unable to decide what percentage to allocate for which category in your budget. Overthinking leads to analysis-paralysis hindering you from making any progress towards a solution because you keep going over the flaws in our budget system.

The Fix: Just create a budget and try to follow it for a set duration. Don’t try to think of a permanent solution. Think of your budget as a work in progress and adjust it along the way as you learn more about your spending habits. Remember that it’s a system and it may have bugs at the start so testing it in actual practice is the best way to achieve your ideal budget system.

2. Thinking It’s Too Complicated

Keeping track of your spending doesn’t have to be complicated. There are many applications on your computer or mobile device that you can use and you do need to test which one is the right fit for you and your lifestyle. But you really don’t want to test all of them do you?

The Fix: Keep it simple by going back to the basics. A pen and notebook is always handy so you can immediately jot down any expense you may have. If you have to use an application, keep it as a back-up or a secondary method to monitor your expenses.

3. Indulging in Online Shopping

Online shopping is one of the easiest way to ruin your budget. All the sale items give you the illusion that you are buying them for cheap so you tell yourself that you can go over budget this time and just spend less on your next salary. But since you’re not paying in cash immediately or you’re paying via credit card, you don’t really feel how much it takes out from your budget.

The Fix: Always consult your budget. If it’s not in your budget, consider saving up for it. If it’s on sale, ask yourself if you really need it. Another solution is to take a break from your computer for awhile and think about it. You may realise that you can make do without it.

4. You’re Good at Giving

Generosity is a good virtue but it is also most often abused. There are a lot of people who are frugal and are able to stick to a budget for their personal expenses but when it comes to their family and friends, they are unable to say no. This is especially true when it comes to giving gifts during birthdays for example or when monetary assistance is requested by a relative or friend.

The Fix: Put “giving” in your budget. This way, you are still able to give them gifts or provide them monetary assistance and still stay within your budget.

5. Unexpected Events

Life happens and most of them are not in our budget. A medical expense, a job loss, a sudden change of residence, etc. Most people create a budget based on what they experience on a daily basis. They only see what’s currently in front of them and fail to plan for life’s unexpected surprises.

The Fix: Accommodate the unexpected in your budget. When creating your budget, make sure to include items such as quarterly and annual expenses. Also include in your budget a fund where you can stash a portion of your income for use during special occasions and emergencies.

We hope you are able to keep to your budgeting system with these helpful tips. There’s no right or wrong way to start your budget as long as you commit to following the system and tweaking it along the way. You might want to try out the money jar budgeting system and see if it works for you.

4 thoughts on “5 Reasons Why You Can’t Stick to Your Budget and How to Fix It

  1. Whenever I have a budgeting boo boo I tried to analyze what happened? How can I fix the problem. Such as I was noticing that I would whip out the credit card at the end of the month as my money supply was gone for the month. I now know to give myself a budget within a budget. Instead of giving myself 100 dollars to last the month I give myself 25 dollars to last for the week. I also keep track of my spending in my budget book.

    For Christmas I would buy my nephews a bunch of stuff I later found out my sister said they didn’t like. But they sure do love money. So instead of spending 200 dollars each for birthday and Christmas in a catalog or online shopping I just give them a 100 dollar pre paid credit card for both birthday and Christmas. My sister and I are both happy with this solution.



    • Thank you for sharing your experiences and giving us tips. You are correct. That is one way of doing it. If monthly budgeting is difficult, we can divide it into weeks or even days. Whatever works for the individual.

      In addition, giving monetary gifts or gift cards is a wonderful idea. That way, you are not only cutting your expenses, you are also giving the recipient the freedom to buy the items that they really want.


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