The hard thing about budgeting isn’t the budget. I mean after you take the weeks to put it together, then refine it, it’s pretty much done. The hard part is having the guts to stick to it,
Somehow the first three months of the year are pretty simple. January is easy-peasy. February you are still refining. By March, you’ve proved “I got this”. You have your numbers in granite. And then comes April. Well, in April, Spring is in the air. Maybe, like us, you undertake a larger garden project to finish by Easter and the budget takes a hit.
Much like a diet, if you’ve already blown the budget, it’s pretty easy to just keep on the same trajectory. After three months of watching the pennies, you take your eyes off the target and it’s May before you yank on the reins and say “WHOOOOOOAAAA”.
The great thing is you don’t have to wait until Monday, or the first of the month. Armed with your written budget, you can get quickly slip back in to your spreadsheets, or cash budget and jump back to your goals.